B) sell it to get liquid cash around a minimum of $39k to help supplement our loss of income for the rest of the yearC) cash out refinance and continue to rentD) a better option that I haven’t thought ofWe are having a bit of trouble trying to decide what’s best for us.

I have the long term goal of financial independence with supplemental income from rentals.

It's not quite as cut and dry as that, but since San Diego is a HCOL area, it gets supplemental entitlement.- You can re-use your VA entitlement.

Many of the government supplements and protections are coming to an end and we're likely going to see the effects of the shutdown in the next year.

It's not that difficult to deal with though.Overall, having renewals built into the lease supplemented with our automatic email reminders we send, leads most tenants to cooperate.

So if youre ditching the 50% rule and go with 40% and 32%, are you trying to supplement the loss of cash flow by appreciation?

Is the $415 property tax a supplemental?

She is interested in using real estate for supplemental income.  

Is there some kind of supplemental title insurance policy or another way to protect my investment funds in case of title fraud?

We are estimating and hoping for a appraisal of around $130k after everything is completed when we go to refinance again.Like I said when i started this thread my goal is to get into rental properties to help supplement our income.