She then approved our loan next day. 

I have an idea of taking cash out refinance with VA loan (partner has benefit) and rates look to be 5.75% on primary home (owned free & clear).

One of my considerations is to further improve the value by taking a renovation loan, however I'm concerned because of the neighborhood values that investing more money into the home won't net me much profit whether I sell or rent.I feel a little stuck here and I don't want to fall to my limited knowledge, so I'm here reaching out for some guidance.Thank you in advance for any advice or support. 

More commonly, 4-star properties have seen as much as 200- 250 basis points of expansion.This range of cap rates is generally found in the upper 7% to 9% territory, indicating that office property values for transactions over $10 million are down by roughly 35% from the all-time high in 2021, excluding medical and owner-user sales.Debt maturities pose challenges for 2024, with around $206 billion in office loans maturing this year and another $180 billion in 2025 and 2026 combined.

I would like to have someone service the loan but most seem to want at least $45 a month which seems high. 

Loan-to-value (LTV) ratios, once commonly found at 70%-80% with 3%-3.5% interest rates, have now slipped to around 55%-65% LTV with high-5% to mid-6% interest rates.

Lots more buyers in the 2 million range and many all cash so best case might get a 6 cap whereas if a DST is a buying a 20 million property the cap rate and loan available can change for higher returns.

My plan is to use my VA loan for a no money down multi family.

Good Morning, I have heard of people using their deferred comp. retirement accounts as temporary loans to fund rehabs, buy properties, etc.

Once it's on the tenant's credit report, it is far more likely to spur them to action because it could prevent them from getting another rental, qualifying for a credit card or car loan, etc.I'm more concerned with why the home has been sitting on the market for eight months.