Was just setting up a LOC with an investment lender when things with the pandemic put a halt to the product that was being offered.

Get in tune with your buyers and get searching for product (properties).  

I would not claim RE pro if there is no other income to offset- that lumps all of your properties into a tax grouping election and creations issues when you sell. 

Then refi out of the FHA, lowering your mortgage payment.Last thing to consider is a non-FHA low-down payment product.

But, one thing they won't result in is lots of what people often refer to as "affordable" housing - these projects are still expensive to build, and they still need market per sf rent rates in excess of current market product to make financial sense. 

If you head over to the Loans, Mortgages, Credit line forums here in Bigger Pockets, you will likely get a lot of help in various products available.

Coincidentally its the least productive property of my portfolio.

There is a lot better product online now so property isn't worth as much.Real estate is dynamic, so what didn't work before can work now, and vice versa.

If they want to go over allowance have them pay for difference with cash deposited in escrow and non refundable, released upon that product being purchased.

Bad for Permanent loans.So depending on what you are trying to do with the money will affect what the right product to get would be.