Hi Bob,If you have had a positive experience like it seems that you have, I'd suggest sticking with your current turnkey provider.8 years is a long time and only having 2 tenant turnovers in that time is fantastic.They have stood the test of time and not many turnkey providers do.Also, why fix it if it's not broken?

Any advice on if we should use it to pay off our loans against two of our retirement accounts (that we took out for the downpayment on the first STR) in order to lower the monthly bills or if we can/should cash out one or two of our retirement accounts (457 and/or 403b) and pay off the loans? 

First, never send a lender money unless it's to be paid for appraisal or admin charges and if you looking for a good lender I could refer you to our hedge fund which offers you a hard money loan with no experience and only must be a homeowner.

I have a blog post that dives into the powerful savings in lower mortgage payment and increased debt paydown when you buy with an assumable loan vs a new loan at today's rates!

Cameron,If you are looking for a Primary Home loan its easy you can use a DPA program. 

I would also consider other exits in case the house doesn't sell and run your numbers with a worst case scenario and you're holding the loan for 9-12+ months.

Would this be considered mortgage fraud since I used my job and W2 income to qualify for the loan?

I just helped a investor with two DSCR loans in this area.

Investment Info:Condo private money loan investment.

Inventory is now very substantially above the extreme lows seen in recent years, when inventory in the Austin area fell below 1 month (very extreme imbalance between demand and supply) for a sustained period.Kendall Garrison, CEO of Amplify Credit Union, recently said, “The good news is that we are moving toward a more sustainable level of inventory, which will provide price stability for sellers and more choices for buyers.