Your family (kids schools, friends, your friends, etc) should all come into play in your decision as well so if staying is "best for personal life for you and fam, then pick that and use your other options to see where and how to invest.Here are a few options to consider along with what you have already named: Investing in a syndication with your savings, cash out refi, or any other liquid funds you have can be a goo place to earn double digit annual returns and get economies of scale with your investments.

A couple of tips: 1) Slow down a bit, and focus on savings and building a liquidity position - maybe 3-6 months of expenses.

The retirement accounts can be counted towards liquid reserves.

They start liquidating their 401k cause now they're trying to make their mortgage payment that they can no longer afford because gas is expensive.

Many Americans and businesses are prepared for tought times, with plenty of access to liquidity.

The hard money lender will then reimburse you for your costs to keep you as liquid as possible. 

As we head towards a likely recession (OK that's my opinion) I believe investors will be looking for more diversification, willing to invest less per deal and looking for safer and more income generating investments and multiple points of liquidity.

HOA's result in one more factor you have little to no control over.That's far too much liquid cash in my opinion, but as others have stated it's all based on your needs and goals and risk tolerance.

401k & IRA are a commonly used method to provide liquidity for non- QM lenders. 

its really up to you and what your business need is......if you can liquidate them and they have 0% apr for 12+ months then you can definitely make some moves.......and make sure its a card that doesnt report to your personal