Talk to a CPA (which I am not)... you could do a 401(k), but 401(k)'s have a lot of rules and are fairly expensive to set-up and administer unless you already have one set-up for your business. 

What is interesting to me is all the owner/operators I know and/or know of that were founded in the 90's, have an almost allergic reaction to interest rate exposure.  

The HOA insists that there was a polyurethane thick foam pad applied under the carpet, however, our contractor did not find such foam when he removed the carpet.

I told the rep (who honestly didn’t look old enough to shave) that we won’t lend on a property if the purchase price + repair is more than 75% of the ARV.

Foam?

If the Fed does what is expected your indexed rates should start to decrease on these productsI always prefer local over Mega especially if you need financing in the future a relationship is more  valuable than shaving a couple bps @Kyle Kline

I think we can all agree, we're not going to see the double digit appreciation we saw in the early 2020's. Having

You will wanna shave your head bald.Do some googling, most of those home test kits are a scam. 

Or for minimal work, drill small holes near the pipe and spray foam insulation.

Are they spray foamed and caulked to seal leaks around them?