VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Currently changing my mindset of I can’t do that, to how can I? 

Nothing changes the fact that using leverage increases risk, not decreases risk.  

As another poster mentioned rates are lower than they've been in the previous 18+ months but unless some very surprising economic data comes out between now and when you did your refi it seems unlikely that rates are going up in the short term and there is at least a decent chance that rates drop a little more before then. 

I expressed my objection to the rate.

Census Bureau, over 61% of Americans have mortgages, with 60% of them locked into fixed 30-year rates below 4%.

Is it the last rental rate you charged, or is it the going rate in the area + 10%? 

Yep as John mentioned, it really doesn't change much. 

If what we are feeling is accurate, the January data should show substantial increase in buyer demand.Jan 1, 2020 to Jan 1, 2025 InventoryWhile interest rates remain high, the demand from buyers is still strong.

Interest rates are NOT high right now.