Multi-family is your best bet. 5th, determine your strategy.

Small local community bank or credit union is your best bet.  

Keep in mind with rates dropping on cash out refinances since they reduced the LLPA hit a cash out refinance may be a better choice over a HELOC.  

And I am willing to bet there is no law covering "Accountability Deposits". 

Probably your best bet.

I was initially thinking one of the light gray vinyl plank choices, but wondering if that would clash with the existing flooring at the transition (by the breakfast bar in the photos) Any advice would be appreciated!

@Scott Pillsbury There is Very Specific language in your contract detailing your financing contingency, timelines, what happens at certain dates, seller and buyer choices and requirements, etc.  

I'll bet @Brandon Turner knows! 

If you get conveitonal loan, which for single family goes as low as 5% or even 3% in certain cases at least in NJ, the PMI comes off when you reach 20%.In a non-conforming loan, then all bets are off.

FASB allows for a choice of either but it is very difficult for public companies to change from FIFO to LIFO or LIFO to FIFO.