I have great credit, healthy cash reserves and no debt so I check all of the other boxes outside of the income aspect.I'd like to stop renting and purchase something instead where I can be gaining equity, appreciation, tax benefits, etc.Any commercial/portfolio lenders here on BP familiar with the owner-occupied programs that are out there?

I've accumulated healthy equity on all 3 of my properties in WA state, but can't figure out how to get it out to put towards the next investment.

Even if you do plan on tearing a property down and rebuilding, you still ought to take a look at the land, soil and sewage.

The property just barely cash flows but the market is healthy and there's the drama of moving to states I don't know etc. 

The carpets are heavily soiled and the walls are marked throughout. 

I was concerned about the cliff erosion which is an issue in Southern MD so I spoke to the local soil conservation service. 

I'm not sure about NE soil(if it is even slab?) 

My health is back and I can start a new career or do what I love!

Quite often, new home construction is the result of new residents moving in who are middle class or wealthier, attracted by jobs, a healthy local economy, or other amenities as they leave nearby or far away areas for greener pastures.

Have a happy, healthy, and productive day!