I really would like to keep as much personal cash as I can at the moment because I am expecting some very big life changes this summer which will take a good chunk of my income.

That's about how many overall residential homes are on the market along the entire 400ish mile long rugged and majestic Oregon Coast at any given moment. 

I was a part of an incredible videoconference last night and I got answers to some of the questions above. 1.)

Otherwise, you'd need to based the financing based off of the purchase price (possibly plus renovation).Since Conventional rates change daily and the rates have jumped recently, DSCR rates actually are in similar range at the moment.

What creative financing options would you recommend for managing secured debt when traditional refinancing or selling isn't viable at the moment?

Yes its FREE (for the moment) and seems to have a lot of data available.

The cream rises to the top and in my opinion the top 4 Real Estate crowdfunding sites at the moment are Realty Mogul, Patch of Land, Realty Shares,  and RealCrowd.Jon, I think your wrong on the funds as well. 

House hacking is incredibly powerful because (A) lower down payment options and (B) you're repurposing your own housing payment.Here are a couple good threads on this topic.https://www.biggerpockets.com/forums/12/topics/1171104-the-m...https://www.biggerpockets.com/forums/48/topics/1159104-overl...

The attorneys who might be appropriate are in the $500-600/hour range which is a little steep for me at the moment (I'll be lucky to cover past debts), especially as they're not certain they'll be of use. 

also do you recommend selling coop before buying or buying first if I sell my coop first 260k after all fees and at the moment I have 60k cash in the bank not sure if it will be enough for closing ?