Ask the title company or closing attorney.I would think that trying to move the ownership out of the inherited IRA or change the deed might be considered liquidating the IRA and trigger taxes.

In a syndication you have low control and also limited liquidity. 

DSCR loans can get you approved for a rental loan or a flip loan (alternatively make it a BRRR if it works) based on liquidity and credit score; less so important if you have a job or the work history.You can also consider being a private lender if you're trying to wait until you can get the necessary work history for other forms of financing. 

Most lenders are going to want to see a few big things from the ownership group. 1) The borrower will be the enitity (LLC, S-Corp, etc) and any owner with usually 20% or more of ownership in the entity will be expected to guaranty the loan, 2) We'll want to see some experience doing similar projects from at least one of the main owners, 3) We'll want to see bank statements showing liquidity enough to cover the intial cash injection (down payment), the closing cost, and some cash in reserve.

Many investors aim to jump straight into turnkey properties or multifamily deals to scale quickly, but the truth is that most people don’t have enough liquid capital to maintain consistent growth this way.

If you can hold on till first part of January the showings and everything else should pickup.This would be my action items: 1. hire a new agent that can sell the place, and get you numbers are rent and selling and sell the place. 2. be honest on the numbers you can get on an ARV so that you can sell it 3. start to get the conversation started with a couple lenders on what these numbers on refi would look like for you and this property 4. my suggestion would be to refi/rent before selling at a loss because if numbers work you can hold for a couple years then sell, but this is dependent on your cash position and liquidity of your situation. 

If you go too low I would either recommend self managing or liquidate it. 

Liquidity: If this is your first or second property, prioritizing liquidity (by cashing out now) might allow you to seize unexpected opportunities, especially if you’re actively prospecting deals.Since you don’t have a deal lined up yet, you might explore options to minimize the gap, like prequalifying potential deals or using short-term financing strategies to bridge the 4 months.Good luck growing your portfolio!

If you think you can squeeze out much more liquidity just by paying transactional bills out of your HELOC, good luck.

Real estate's low liquidity can complicate required minimum distributions (RMDs).