Your options would be a cash out refi, or a HELOC (home equity line of credit).  

Every good contractor goes bad at some point (sorry to sound grumpy, but they've been extra frustrating lately).  

You guys could do a Cash Out Refi or get a line of credit against the property.  

Although house hacking is worth it on a deal by deal basis, do not write off all of SD as a bad deal.  

I know we need to setup a separate bank account from our personal finances to run our rental properties business, but not sure if we should go through a "big bank" or "small bank"/credit union.  

I've got great credit and great income.  

i need more information in regards to your credit, experience and liquidity.

I feel bad if people pay the $15 credit check so I only do one applicant at a time.  

So I've seen quite a bit, had learnings from my own properties, seen the good and bad, etc.

I give you credit for stepping out like this.