Plan to buy a combination of new construction and turnkey to avoid large capex expenses in the near term.

The firm I worked with in the past charged me massive fees, largely because we were higher income and they didn't back it up with value.

Also taking out a large amount can bump you into a higher bracket which only makes the example worse. so just to summarize, it is probably better not to pay the penalty for early withdrawal. 

Before cash refi, my payment was only $1990should I sell this property or increase value by adding Adu?

We also added a half bath in the basement.

These are largely in the suburbs and some markets within the city.

If you have large reserves or long track record you probably can get 80% LTV cash out with a 3 year prepay and the rate increased for the exception.

This would largely depend on your investment goals, risk tolerance and preferred strategy.

Unfortunately most collections companies only work with large corporations that provide consistent business.

At some point in the near future I will sell everything (small to medium properties in the $300K - $7M) and do a 1031 exchange (so I don't get slammed with taxes) into a handful of large income producing properties...hire a management company and call it a day.