Why do you think purchase contracts are so long and have such small print?

This could be a double whammy if you purchased to have an STR.  

Fortunately I am very happy in my new place (and they are happy with me) and my next home will be one I am purchasing. 

We purchased a hoarder house and gut renovated it, converting the downstairs space into an ADU.

For private institutional lending, first-time home buyer, the most aggressive I have seen lenders in this space is 90% of the purchase price + 100% of the rehab, not to exceed ~70% of the after-repair value. 

I've watched all the calculator tutorials but do not know which one will be the best for me since I will not need a loan to purchase the home.

Are you looking to purchase this new subject property or renovate? 

I'm looking to refinance my existing investment property to purchase one in Pittsburgh for the purpose of short term rental am crazy to do it in the current market situation with Airbnb being what it is ? 

Think of it like going to a car dealer to purchase a new vehicle.

At the time of purchase we were more than financially capable of paying the mortgage and we have been paying the mortgage.