@Tanya S. you know in my office many of the agents will actually have another agent in the office list and price their property, because we realize that we too are not exempt from mispricing our own properties just like a normal seller would.

A credit report pulled for a mortgage lender is different than one pulled for a car loan because the risk factors used to generate each of those reports are different.

The money is in a normal IRA now.

We also added a rooftop deck above the car port with a glass railing.

Preferably a MFH with one side has 2, preferably 3/4 beds + 2 full baths with garage (we have an EV that needs to get charged everyday)Or a SFH with 3/4 beds 2 full baths w/ at least 1 car garage.Then we will live in this "livable rental" for couple years, then purchase our "forever home".

Capital Gains, depreciation recapture and cost of selling are just normal costs of doing business. 

Allstate does a good job and gives you a discount if you have your house and car insured with them as well. 

What happens to that new car the day you drive it off the lot?

Normally I would not buy them unless well more than half of the market has them. 

In the long run a cash out is normally the better choice and in your situation it could potentially lower your current payment even though you are taking money out.