While I’ve considered cash-out refinancing or HELOCs, the high rates make these options less appealing.I’m debating between using cash to acquire more SFRs or diversifying into mixed-use retail properties.

good area to buy. would love to discuss if you are looking for financing options

We have 2 San Antonio sub2 deals that are turn key homes and only require about $20-25k to close (assignment fee + closing costs).They're a great option!

I want to make sure I'm not missing something.I can withdraw penalty free from prior Roth contributions and 5+ year old conversions, an inherited tradtional IRA, an HSA with prior medical receipts, among several other options.

Obviously the numbers and location would determine which is the best option for me but these would be my preferred methods. 

Believe it or not, these things actually impact all parts of the housing market, not just the new home sector.Again, to truly weigh the options in front of you, I would suggest having a Realtor do an evaluation for you, and give you a pro/con rundown of each option. 

Stessa is a pretty good option but only for the management portion.

@Jerry Chilimidos,Here is a list of lenders who specialize in lending to IRAs and 401Ks:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...I don't know where your rentals are located and how they are performing but selling might be an option vs doing cash-out refi.I would certainly consider option C.

Here's a good breakdown of your options for tax collecting starting Feb 1 based on the new regulations.

If you're considering Real Estate as an option in the future, I would not add the money to either of these accounts.