Would like to roll a small annuity I have from a short lived stint in a union into a solo 401k.   

One option for funding might be just a personal loan from a local bank or credit union.

Curious how you mean utilizing Sacramento's heavy union presence?

On the refinance you do not pay points if you use a FDIC bank or credit union so you avoid the BS fee's.

Also, try Dennis Kahn at Homestead Mortgage.Fort Community Credit Union can do second lien HELOCs on investment properties.

I'm 58 and 17 years experience as union carpenter. 

I was turned down for a HELOC with a different lender (a local credit union who would've given me more credit, but determined my current debt-to-income is too high, especially since the rental property isn't generating rent at the moment).I know that I can do a cash-out refi on the rental property in a couple months.

Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.

Look at credit unions and find their investment property rates. 

Local community banks and credit unions may have no seasoning period for their portfolio loan offerings.