Different markets require different strategies. 

If you want to refinance to take cash out on an investment property you would need to do a conventional loan, conventional loans require 12 months of seasoning.

In the lease he is required to give a 30 day notice. to vacate the property.

Assuming you are inquiring for the Myrtle Beach market, the average (across the 5 submarkets and all property types) is for 72.5% to require 2 nights or less (46.5% have no requirement).This is highly variable by ZIP code and property size/type, however.

Since you are trading out of vacant land, you are looking to dump an asset that didn't require much management. 

Do you hold physical RE? 

Small note on the JADU requirements... the interior access requirement was recently dropped.

This becomes an issue of cocern in higher priced properties with larger seconds, but if your loan is less than the lot value, you're probably in a much better position.Another issue that could apply to you is the recent CA investor requirements and being a qualified investor.

After that I think you can go to court to appeal.If you house has a vacant house notice then the water dept is required by law to turn off the water and you should not have to pay for water.

This property meets all the requirements our bank told us it needs to meet, but they are only willing to finance 600-700 thousand.