i'd call a bunch more lenders and at least have one more appraisal done unless you truly feel you've exhausted the refinance path.

It protects it from outside liability (let's say you drive recklessly and kill someone, and your personal car insurance gets exhausted, the suing parties cannot come after the rental property because it is not personally owned by you). 

That's my mental block.

@Allan Kapoor, when I bought my first property my defining mental moment is when I decided that I didn't care if I lost money!

AND IF SHE DID, I would suggest not to go into REI because that charity mentality will lead you to go BK.

I recommend this option, as just sitting on the property with no income is a drain on you both financially and mentally. 

How much is your time and mental energy worth to you?

He even said that I had a consumer mentally and that 25k or 40k was nothing in his mind..lol* Very few reviews online besides their website.

The team mentality was touted buy not practiced. 

What you consume, mentally and physically, you will become.Your quality of life can be a direct reflection of your thoughts.