If maintaining cash flow is your primary objective, you might want to explore other options.

Positive cash flow, for sure.Cash vs.

And not to mention no stock matches the dividend rate one can get in real estate with such low risk/volatility. 20yrs ownership, oh-yeah, cash-flow on renting it would be HUGE now so it's easily comparable to a 20%+ monthly dividend, if not more.

@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.

Also at some point I want max cash flow and minimal risk to that cash flow.

Cash invested: $60,000 656 sq foot, 1 BR Condo What made you interested in investing in this type of deal?

Thanks to COVID, for a couple of years, you can actually make enough money to be cash flow positive even if you hire a property manager AND have mortgage payments. 

You'll have to look at the income and expenses to predict whether your cash flow will improve.

As interest rates rise, they naturally cut into potential cash flow on a property.

I have all 3 phases for clients out of state: helping you locate and buy the correct buy box for success, a world class designer and furnishing team to create a top listing, and I also co-host property for clients at a discounted rate to ensure you’re getting as much cash flow as possible.