If they did go into a bank account it was to reestablish a liquify reserve that had been depleted - so interest rate would not be relevant here.

What is hitting you for rate is the LTV and the fact that it is a second home.

What are the rates usually on such loans?

Our current agent is the only agent who has suggested that we try to sell them separately since selling them together didn't appear to work.On the other hand, maybe prospective buyers are waiting to see how much lending rates decline in the next few months and what happens with the Costa-Hawkins proposition on CA ballots this November.  

They are your best friend.)Separately, and off topic but it relates to what you wrote, I hope your loan contains more documents than just the PG, mortgage, and note.

He basically made us do a 15yr mortgage and we got a 2.1% rate.

My south Linden rating would be a C- to a C plus.The rapid appreciation of Columbus, Ohio also makes it hard to stay consistent with the letter grades.

I agree a Rehab loan might be my best option. 

The best way to see if there is demand is to look on Zillow (there is a room feature) and Facebook Marketplace.

Best regards,Saulo Dias