But lets say they do allow you.

There are a couple of things I like about them but one of my favorite things is that it allow me to control if I will allow partial payments or not.

They have to allow them in to inspect to make sure things are copacetic.

I decided to buy the property from my grandfather using a gift of equity, which allowed me to take over ownership without having to come up with the full down payment and pay for the tax lien and his closing costs.

This is because REPS reclassifies rental losses as non-passive, allowing them to fully offset active income.

They allow you to include up to 6 months of rent payments in the loan if you are unable to occupy the premises during the renovation.Just to be complete, it's also worth mentioning that both the VA and USDA have renovation loans.

You already seemed to conclude you are forcing this deal, I would agree unless there's a reason why this property will appreciate significantly in the near future and the 40 year amortization schedule allows you to hold on for that to occur. 

This could allow you to use the full amount for purchasing real estate without needing to sell your stocks outright and incurring significant tax implications.

On the other hand, I’m hesitant to simply pay down more of a property, as we don’t need the immediate cash flow.Fortunately, both my wife’s job and mine are recession-proof, which allows us to be a bit more aggressive with our investments.I’d really appreciate advice from investors who have experience with frequent moves or military service.

If your escrow company allowed that to happen, you should go after them.