The last time I stayed in one, I was charged a large cleaning fee and then met with a list of what to clean prior to us leaving.

Typically people charging for that service are doing it because they need the money...if you catch my drift. 

NEVER borrow from a 401K, you are taking pre-taxed dollars and paying it back with after tax dollars, you do not get to return the loan with pre taxed dollars, in addition, some 401K plans do charge interest and maybe even fees, and lastly if you get laid off for some reason, it is a distribution with all the "fun consequences: tax at the last dollar rate, and if you are under 59.5 there is also the additional 10% penalty.Personally I like the HELOC, however you can also sell stocks and do tax harvesting there to offset gains if that is an option

If you don't specify a charge in your listing, you can't collect it. 

Of course there is upside to this as I can charge more rent but the property being vacant for two months also is it going to cost me around $1200 in mortgage payments as well.Another unit of mine unexpectedly went vacant beginning of the New Year.

I rented out the additional bedrooms to friends and family, charging them well below market, and sold when it was time for my wife and I to start our own adventures.

Quote from @Shayan Sameer: I would reach out to a couple lenders see if you can get some competitive rates and also see about the points too that they are charging..

I rented out the additional bedrooms to friends and family, charging them well below market, and sold when it was time for my wife and I to start our own adventures.

They claim to charge in the "high 4 figures" - one web source says it's $4800 - to join their group and get access to their network and resources.  

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!