So, yeah, you could say a hard asset is safer than cash in some circumstances if you're open to seeing that those circumstances are a possibility. 

Under no circumstances should anyone consider an unsecured loan.

And in any event, because multi-family data is found in less quantity and quality than would be ideal (far from it in your case) an appraisal of such properties will always be weak.Here is my advice for the future - ignore almost everything in the appraisal with exception to two things.

If you are obtaining owners title insurance without exception to the unreleased lien, you shouldn’t be worried about any of this.Either the lien will be released or it won’t... if the latter, your title insurance will protect you against this item going forward.

The house I purchased just needed cosmetic upgrades throughout, and I performed those while living in it, with the exception of  the kitchen. 

We operate all of our units except one so don’t have that issue.I think that’s one of the biggest pitfalls w management model for STR.

Heck, I've never seen the HOA do anything for the neighborhood except snow plow (If it snowed).

I highly doubt this tenant would stay there under those circumstances.

It's just like borrowing money from a bank, except I'm paying back my 401k and the interest goes to myself instead of the bank.In this instance, I bought a home with a partner using the money I borrowed, and my partner and I formed an LLC using our own names, not my solo401k name.

Are there any banks that would give me a loan considering the circumstances, or are there any other ways to go about doing this?