I utilized (and maxed out) my credit cards to afford the materials necessary to renovate the apartments (I know bad move) therefore I cannot acquire a loan of any sort to fund the initial funds necessary to acquire a hard money or DSCR or rehab loan.

Any advice on if we should use it to pay off our loans against two of our retirement accounts (that we took out for the downpayment on the first STR) in order to lower the monthly bills or if we can/should cash out one or two of our retirement accounts (457 and/or 403b) and pay off the loans? 

So, I do not need these sources of income in order to afford the property, but I've been told that I may need a farm loan?

Little did I know, that I just entered into a highly dysfunctional situation where the seller has already been brought to court to sell and was refusing to sign the closing documents.

This isn't common but we have had the following happen: former tenants, boyfriends/girlfriends staying after the lease holder left, family/friends of a neighbor in a multifamily situation, former owner or owners family after a foreclosure. 

There are days when you do want to quit, or have a situation that you can't seem to resolve.

They have also outsourced their TAX SERVICES and despite my constant request to expedite my tax filing so that we can apply for a CRITICAL BUSINESS LOAN TO EXPAND OUR BUSINESS, THEY SAT ON OUR TAX and BOOKEEPING files for 7 months.

Depending on the loan amount and LTV there are even some automatic issuances with no appraisal requirements. 

Hello I'm not sure if anyone has run into the situation, but it is most likely unique to the city of Philadelphia. 

How many loans do you currently have?