The goal is to ensure that the property remains viable even if circumstances change, like dealing with a non-paying tenant or a market downturn.

Forward to 2023, the tenant is unfortunately moving out.  

There is almost no circumstance that will save you more money then living at home provided its rent free.

Unfortunately, since you said less than a month till expiration you are already too late to tell them.

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

Do you have any suggestions on how we can secure long-term financing under these circumstances?

I also had a HML recommended to me, but I found/heard some unfortunate reviews.

The intent was to hold but circumstances changed. 

Unfortunately, the HOA prohibits leasing for less than six months.2.

Hey AJ,I used @Nick Belsky when I did a refinance in Dayton about 3 years ago, he was able to find me a pretty good loan for my circumstance.