It has created a nice stream available funds to work with.

I don't think I'm spilling any state secrets when I say that Hialeah is VERY competitive but there are deals to be had.

VRBO usually provides a steady stream of families to my location…until recently.  

There should be some spill over from Charlotte. 

You didn't say how bad the water spill is.

This would ensure that you have a steady income stream and can weather any potential recession or economic downturns.However, if you are comfortable taking on more risk and want to leverage your equity to invest in other properties, then going for a cash-out refinance may be a good option.

Save up the money and just buy cash.Get a second stream of income if you aren't saving enough. 

Hill views, nearby electric or water, streams, solid roads, close to highways, etc.  

Who and How can I loan these big credit lines out to get a passive income stream coming in?

I also leave extras for my guests because things do happen over time (thermostats, smoke alarms, remotes, extra trash, spills, snow/ice, etc.).