@Joshua FlammIf money is a constraint you borrow against your free and clear property.  

I have had funding groups do regular mortgages along with offering private money for renovation type loans

Mid-Stay Rentals (MTR) offer steady money with leases from 1 to 6 months but with okay cash chances and strict rules.

I am also concerned because my goal doesn’t create any money (there isn’t any money that building this house will make). 

We lost money.

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Can I Cash-Out Refinance on a duplex I used a hard money construction loan on?

If you charge a large fee up front, that money is already gone and you have no leverage for the tenant to comply with paying their last month of rent or returning the unit in good condition.I would consider looking into something like Obligo.

For emergencies, I could move money from my 401k to an IRA to cover vacancies and capital expenditures.

I do have money in my joint acct with my wife but she doesn’t want to touch it.