Right now, the market here is brutal and at a standstill. 

Those recently built homes start to lose value because the comparable sales surrounding them that are "Not" new builds and are selling for less causing a standstill on those new homes.

I'm kind of at a stand still for the moment.

I have now found myself at a standstill. 

I'm here because I feel like I'm at a standstill in life with what to do next to better my family's future.

Of course the bank says "no problem", I start the process etc, then after credit pull and everything state "thing's have changed and you cannot own more than 3 investment properties" so now I'm at a standstill and they want to push me to commercial side, which in this case is requiring them to take my first and have to refi the balance and lose my rate and then tap a HELOC afterwards at commercial terms.

Or should it remain in the residence and we are at a standstill until the set amount of days? 

We're at a standstill, because it's a 2-unit (legally).

I told her my bid still stands till December 22, 2023. 

Even looking at the balanced rate (which I feel like is hard because the terms are different) along with the potential to have the monthly payment/fees covered, it feels like a cash out is a better option if we did want to keep this.Part of the current struggle is that the market was hit harder from the rate increase so sales are almost at a standstill and even with trying to sell the house, the rental market is doing substantially better because most military cannot afford to purchase in this area as the payments are over 6k/mo for buying vs 3-4k/mo for renting.Any advice is most appreciated!