You can't buy your new primary residence with it.But, here's where you could make it all work.1.

@Jerry Chilimidos,Here is a list of lenders who specialize in lending to IRAs and 401Ks:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...I don't know where your rentals are located and how they are performing but selling might be an option vs doing cash-out refi.I would certainly consider option C.

Once you start to get people in there to look at project to project, that will give you a baseline then you'll start to gain more knowledge on where you need to be on the pricing/estimates etc.

When did the HELOC on my house with ADU, the first appraiser used option one and I demanded a new appraisal where they would give me a flat value.

I just acquired one from a PM where they were charging a tenant a resident benefit package and a building protection plan.  

Unfortunately due to the business you choose to operate incidents like the one you experienced are more likely to occur compared to a property that's continually occupied by a tenant where the water would more likely be run at a higher frequency which would prevent the pipes from freezing.  

I just got one in pretty great shape for 50 percent ARV, but I want my numbers in a spreadsheet to see where I can put some luxury into it or if I should do just the bare minimum throughout.

Yes, i would love to house hack again but am currently struggling on the next phase of 'where' to do it.

Meaning where growth opportunity is happening, appreciation, networking with professionals in that market such as lenders, other investors etc.

There are several articles that do an exceptional job of explaining who, what, where, why and how tax payers qualify for the ‘STR Loophole’ listed here:The Short Term Rental Tax Loop Hole: A Game Changer for W-2 Wage EarnersThe Short Term Tax Rental Loop Hole: What Investors need to know The implications on the Oregon and California Coastal STR market is a strengthening buyer pool for luxury rentals in the $750-1.5M+ range.