What type of lending options are out there to get additional 50k and refinance home?

You were kind to offer extra pay for holidays.

I own a cleaning company and was going to offer insite. 

If a wholesale deal yields $10,000 on the low end, the value here far exceeds that.Also, I understand that Affirm is optional.

We are legally bound to our contract in Orlando and have been for multiple years, thus a change in venues is not an option. 

If you have strong credit and a good relationship with your local bank, they might be able to offer you something suitable.For lenders offering DSCR loans that don’t use DTI, only cash-out refinance options are available.

I have an option to take over owner carried financing of the building  that the previous owner has set up with the owner before them.

We have an offer from a friend that would like to rent our home for $200 more than our mortgage. 

I would price out both Heloc and cash out refinance side by side to look at best options.

New home builders are offering great rates with their lenders and paying closing costs, with a VA loan you can put 0% down, its insane.