Investment property refinance following a low appraisal?
If I was you I would not borrow from my 401K and shred the credit card offer.  Both are very risky ventures, and you are already in a situation that is risky.  Doing either will increase your risk significantly. I'd also consider selling the rental house.  You seem to be cutting very close on the numbers if you can't raise 17K in cash to refi the house.  What happens if you need a roof on the rental, and an HVAC in your current home?   My assumption is that you will not sell the home, okay I get it.  I would recommend either giving your tenant a better deal then the have now, or something very similar.  Having a good tenant is an asset.