I’m looking to pull equity from a property, but I have a great interest rate that I don’t want to lose.

This is generally taxable interest income and can offer a decent rate of return.

When it's sold it will be taxed as capital gains tax and may also have some unrecaptured depreciation which is capped at 25% and  recaptured depreciation as well which can be up to your ordinary income tax rate.

Although there are advantages to waiting too, such as if interest rates continue to drop.

refied with Mike Tavani and Krista Oslar are Guaranteed rate.

DSCR recently came popular in the loan brokerage and private credit space with the rise of STRs and MTRs.Your local bank lenders will have the best rates typically.  

I think @John Underwood and I who own lake front properties might be able to help get you a baseline nightly rate.

Depreciation lowers taxable income now but is subject to recapture at a maximum 25% rate when the property is sold.

What's labeled Private Money in the market - an individual looking to build a lending shop by using personal funds - this is out there but these guys are not cheap on points or rate and they have rules and guidelines like anyone else, so really the difference between them and hard money is nothing other than appraisal perhaps. 

With those kinds of rents ($5,800 between the 2), even with a 9% cap rate, in my opinion those properties should collectively appraise for nearly $500k.