They don't have Prepayment penalty period either so once you finish up then you can go with a DSCR cash-out refinance. 

You could look at a conventional or DSCR refinance.

In fact, out of the 100's of hard money loans I've written I've never been above a 12.5% rate.   

Firstly, I don't think breaking even from a cash flow perspective is necessarily a bad thing, especially if it's purposeful in creating an opportunity for your family.

@Noah Schultesi don't know you or anything about you other than what i posted but i would generally advise against doing thisyou'd need an investment to really knock it out of the park with a return to make it worth the penalties and taxes and that's just unlikely on your first trywith respect to STRs... do you want to own and manage an STR? 

Quote from @Seth McGathey: Yes your two main options are a cash out refi or a HELOC.

I did hang onto it for a few years, cashed out and put my money in cash flowing investments.

If the numbers support it, this can be an excellent workaround for non-U.S. income earners who have strong cash-flowing properties.If you're looking to pull equity but a HELOC doesn’t pan out, you might also consider a cash-out refinance using either a conventional lender or a DSCR lender.

The main thing to watch out for is that some HELOCs have variable interest rates, so your payment could go up if rates do.Then there's a Cash-Out Refinance.

When people think about making money in real estate, cash flow is usually the first thing that comes to mind.