TIAErich your best bet would be to amortize it over thirty with a 5 year balloon. the issue with private lenders  vs. banks is private lenders use their money to lend and many times it may not keep up with inflation - so lending for that long does not make sense.

I'm a sucker for data so I'm always looking for new sources.

Also remember the time these returns will take to amend along with the possibility of opening up audit periods/red flags with the IRS due to amendments.Doing this yourself on turbo tax likely won't be your best bet considering all of the details.

If they don't have one, I bet they know somebody.Answering your questions:1.

This seems like my best bet at the moment.

Most of the regs prohibit it within the city, so I would check and see if the area you are looking allow it.Your best bet is to look at the markets on VRBO and AirBNB and see what is out there right now.

I am betting that there aren't that many STRs that offer a setup like that in your area. 

We opted for option 3 for the safest bet in a stagnating market and tight funds.

You might not be able to get the full amount you were wanting back in the cash out, but I am willing to bet you could get something if you own it outright. 

I have not tried to use the debit card at a ATM for cash withdraws, but I bet there will be fees, so I probably will just us my old ATMs.I have noticed that their website is a little clunkier than Bank of America.