Erin - If I understand you want to cash out the refinance on the rentals to pay for your new home. 

Hello,We are about to use HML for the first time.We got multiple offer by lenders, most of them include fees we do not understand, such as THEIR closing costs and fees.For example: 12% interest, 2 points + 3.5% 'OUR CLOSING COSTS' + Service fee of $749.Another example: 10% interest + 'The range of points and closing fees will be approximately $7000.00 to $8000 .

I understand that I'll pay a premium because I live in Los Angeles but it just seems though the prices are extremely high.

What I don't understand is if it was 128k for each or both?

I'm looking for a good lawyer and a good accountant that understand and currently take care of Canadian's who are investing in the USA.

We did not purposefully do this but I am beginning to understand that this is in our favor.

Work with attorneys that understand these matters not many CPAs or Attorneys have a grasp on SDIRAs. 

If I understand correctly you can get an appraisal before construction for the final price after.

Broad strokes about down payment and market rates. 

The pro is that if they don't pay their rent, from my understanding, you can talk to their superior officer and then their officer will yell at them and they will likely pay up since they are getting in trouble at work.