What additional tests should I check about the lender ?

They ran the property down to unsanitary condition, green bottle flies are flying everywhere over dogs feces (during very hot weather it stinks horribly too!)

I would do the math using a hypothetical 5% prime (4.75%) and test that against the total cost of the cash-out refi over a 3-4 year period. 

I will try running an A/B test with both methods per Daniel's advice.

Once you have finished the course works hours and practice exams, you can sign up to take the test at a registered testing center.

If you've faced some hardship or tested positive for covid, you may be eligible for a penalty free withdrawal.

So, think of what happens to a PET coke bottle when water comes in contact with it . . . nothing. 

(I do pass the material participation tests for each property, I believe).If there is a CPA who is VERY knowledgeable in this stuff, I'd love to find a new tax accountant.

You must be kidding - Good suburbs have way better schools than urban.Go ask your urban school how well black males do at grade-level testing. 

Please note that the account into which the funds are deposited must be the same type of account from which the funds were first withdrawn (e.g. withdrawal of pre-tax funds from a 401k could be deposited in a pre-tax IRA but not a Roth IRA - "like to like").Loans:Payments on a 401k loan taken under the CARES Act must be paid back starting in 2021 over a 5 year term.Here are the details regarding the loans:NEW LOANS:The CARES Act which was enacted to provide relief to individuals impacted by COVID-19 allows for increased 401k loans and more flexibility for repayment of these loans.Specifically, you must be an individual who meets one of the following conditions to demonstrate that you have been impacted by the crisis (and it will be your responsibility to retain documents in your files that demonstrates that you are a qualified individual):Individual who is diagnosed with COVID-19, with a CDC-approved test;Individual whose spouse or dependent is diagnosed with COVID-19, with a CDC-approved test; ORIndividual who experiences adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or other factors as determined by the Treasury Secretary.On or before September 23, 2020, such individuals take a 401k participant loan subject to the following terms:Maximum Amount of the Loan: 100% of their 401k balance not to exceed $100,000.