If pests continue, that is tenant responsibility. 

I would focus on building my skill sets, paying down debt , building a nest egg - savings, 401K, Roth IRA, etc - and continuing to educate yourself. 

I know we’ll get approved to pull cash out but my concern is that we’re adding debt to our residence...I know we’re sitting on some solid leverage but am hesitant to continue pulling cash out of our primary residence.

Know what your local laws that might come into play are.

To continue...3.

The state these are in also plays a major role as in some states you just be licensed to be the mortgage holder etc.

@Christopher Heil Depending on your comfort level, you need to make a plan whether to continue to build up cash or if you're ready to buy and hold.

Of course some of us (looking at you Jay...ok, me too ;) aren't just in this to create retirement income, this is a career, so there's more of a cyclic, upward momentum where leverage and cash purchases each play a part.

Things like zoning and section 8 ratios can play a factor.

You're better off calling because you'll drive all over God's country and maybe the guy is there, maybe not.Rates have risen that high and will continue to rise.