I pulled my full credit report and can't see anything suspicious or unusual.

It's not unusual for a property manager to advertise low fees (6%, 8%, etc.) and then kill you with add-on fees.

Here its a county office, but I think that's unusual.

Your first challenge will be the rate of mortgage arrears and defaults which has historically been < 0.5%.I'm uncertain what you mean by "skip transfer" as a Canadian equivalent for a "double close".  

I've never seen that disparity in over 500 houses, so that is most unusual @Kyle Myers.  

If not, a self-directed IRA or IRA LLC (if you want checkbook control) is a great option and really the best option when Solo 401k eligibility is likely temporary or uncertain.

Always ask questions when you're uncertain and do your due diligence.

I told him to shove it in no uncertain terms since I was originally told it would only take3-4 weeks for the refi.

What I don't understand is why you think this is such an unusually big spread.

It is uncertain when they will reopen STR's.