If the buyer is still interested, they can petition to get a new appraiser or switch lenders.

when we did 10% dowwn 10% second and lender did 80%. 

@Jerry Chilimidos,Here is a list of lenders who specialize in lending to IRAs and 401Ks:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...I don't know where your rentals are located and how they are performing but selling might be an option vs doing cash-out refi.I would certainly consider option C.

Im aware that you cannot file or claim it on a non-primary property.

And what happens after the 5, 7 or 10 years depends on the lender but typically it would be a balloon payment.

Under IRS Publication 523 for 2023 dated February 2024, I qualify as "Service, Intelligence and Peace Corp Personnel" and for "qualified extended duty" (page 4& 5 - https://www.irs.gov/pub/irs-pdf/p523.pdf).

Tax deductions / write-offs should be a second concern.There are some rules that you need to follow to treat a short-term rental as 'active'(non passive) income which would allow you to offset it against other forms of income such as rental income / wages.

Conveniently located just minutes from the interstate, this home offers an easy commute to Bangor and Newport, while Etna Pond and its public boat launch are just a short drive away.

Through a hard money lender, but I will take out a DSCR loan in March to refinance.

They only allow a certain number of non owner occupied STRs, and the there is a waiting list.