What are my options here?

I agree LTR is the safest and easiest option right now. 

Cash out Refi property located in Northern NJ, and hypothetical purchase mixed use or multi family apartment building located in Brooklyn most likely

With the market the way it is, high Interest Rates, and multi-family deals getting sold as soon as it comes on market, I'm lost!

The options are endless.

I wouldn’t necessarily want to only put 5 percent down but maybe somewhere between 5 and 20 percent. im just wondering if I have the option of not having to put 25 percent down like a commercial or investment loan. 

Owner financing is always a great option it is just a matter of education, if you can explain to them the benefits and lay out in a simple to see way how much more money they will make in the long run, you would be surprised at the terms people will agree too.

Start looking for your replacement options early3. 

DSCR Mixed Use might be an option depending on a few factors but you really should focus on getting that credit up - any chance you can do some repair and get that improved even just 20-30 points in a month or two?

Its a great lower priced option to get into the game