If you cash out equity in a property, you are "borrowing" that money from the lender.

I am pretty sure they are only economically motivated since no one in Cincinnati actually discriminates based on race other than 2 and 3 family owner occupied units.

Our government pours so much money into new laws aimed at landlords, but they don't do anything to go after the real thieves.

You'd need about 250-300k for a down payment for a starter duplex which may work better for you since you can utilize one side as a long term rental and the second side as an STR which you can use as you please but remember if you do a 1031 exchange you'd be limited on how much you can actually use that property to still be considered an investment and not a second home.

They had trouble renting a commercial space for me and we held money in escrow which was refunded to me to my satisfaction.

Hard money lender.

You need enough supply/demand to actually create liquidity.

So when I go to a credit union local to me, they dont allow me to do a HELOC because located in different states. so may I please ask if there are any suggestions on what is the best way to pull money out in this situation from the rental home?

Note that you may have more tenant-to-tenant issues to deal with though.As with any real estate investment, you pays your money, you takes your chances :)

A good PM will keep you out of trouble and typically make you more money than they will cost you.