I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

Do you have any suggestions on how we can secure long-term financing under these circumstances?

The law does NOT apply to landlords:With less then 5 rental unitsThat live in one unit of a duplex and rent out the other unitThat rent out rooms in the home they occupySo, landlords can no longer state in their rental ads, "Section 8 not accepted".The reverse is also true, "Section 8 only", cannot be used.We've always recommended screening S8 tenants the same way as cash-paying tenants.Landlords waiving application fees and/or security deposits only for S8 prospects may also be violating Fair Housing.

You can tell that the lender isn't granting this extension under the provisions of the loan's 1-year extension options.  

I love finding VA Assumption Loan deals and have personally secured one so far as a rental property with a 3.3% interest rate. 

However, many DSCR lenders have a minimum loan amount of $100K, which can make it challenging for investors to secure financing for lower-priced properties. 

The vast majority of lawsuits against Landlords are for wrongful eviction, security deposit disputes, and Fair Housing Violations.

You are not a borrower, you are not liable for the debt, you may need to sign the security instrument to allow the mortgage to be recorded, but this does not change the above statements.

This also helped us in an unattended way when investing with my Solo 401k because banks treated the funds as liquid when invested in a public traded exchange versus in their fund and helped with securing better commercial financing on a deal because of the strength of our application in liquid assets.

The online eFile providers can do it for you, sometimes for free.Warning: Email is NOT secure, and you will expose your contractors to unnecessary risk of identity theft.