It's a favorable rate, and given the equity you have in your property, you have a good foundation for securing additional funding without compromising this rate.Considering your property is now an investment, and you're looking into financing options for updates, a VA loan could still be a viable path for you, even in your current situation.

Their substantial construction volume translates to favorable pricing and incentives for investment properties.

The other option would be to purchase the property strictly as a rental unit; nowadays, lenders are willing to go with 15% down; no income verification, and perhaps the rate be favorable in the high 7% to low 8% interest rate.

I'm going with sectors on sale or out of favor classes of RE on sale like office maybe.  60% off anyone?  

Unless you intend to someday transition out of your physician job many physicians find that password investing via syndications is a more hands-off way to diversify your income, and tax in a favored way. 

Buyers should expect more competition in the spring, but conditions overall should remain favorable compared to recent years.What if I’m a seller?

I don't like the idea of taking advantage of anyone, but personally if I found an opportunity like this I would understand the reality of the situation is that if you are able to make a favorable deal, so can anyone else in the market, so might as well strike first and be more reasonable during the turnover process so you can sleep well at night. 

I agreed to that move-in date in favor of a tenant with a great credit score, history over immediate/faster tenancy. 

The most successful approach has been to pair the partial removal of the law with something most people would favor.  

May the odds ever be in your favor.