You will need air tight business systems to mitigate some of this. 

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.

I’ve called all the local banks and they’re all super tight on such loans given the pandemic

I’ve had no luck so far and my deadline is closing fast.Thanks for the response!

I also have a professional background in commercial construction as a project manager and have the skills to see successful delivery of projects within budget and on tight timelines.

However, getting another competent accountant to work on your project 3 weeks before the deadline is a long shot.

In a lot of states, if the landlord does not meet the deadline to return the security deposit (typically 30 days) and/or send the required notice to the tenants that their security is not being returned then you are void your right to retain any of the security deposit and may have to pay the tenants an additional fee for "wrongful withholding."

If their income is tight you might do them a favor and make them realize they need something slightly less expensive.

and then recast to save some money on monthly payments... seems easiest/quickest and I won’t spend extra in closing costs... and I don’t need to pull out money from my primary with a refinance right now so I could always do that later with my equity or if cash got tight...thoughts?

We extended our objection deadline until Tuesday to try and do some more research.So if I cannot convert it legally would I be able to add another electric meter?