A handyman special will cost about $400k.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

@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.

Take stock of your current credit score and accounts.

You can decline them off their credit, background and for not having 2 past positive references.

Professional PMs use specialized tools to verify income directly with a tenant’s bank or payroll service, ensuring legitimacy.

the claim that you fixed their credit or helped their credit just is hollow. once in foreclosure their credit is trashed.. going to sale does not hurt it any more or less..

You have to put 5% down vs 3.5% down, rates are usually higher, but if you have strong credit, your PMI cost can be cheaper than that of FHA loans. 

Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

It gives you the flexibility kind of like a credit card that allows you to borrow a certain limit and withdraw funds as needed.