Which might be a bit tricky in an IRA, especially if the debtor declared bankruptcy.I still want to get this money out of the IRA with the least loss possible.

Debt or equity?

Or you’re leaving the debtor with a pile of cash they’ll have to deal with in BK.

So my question is, before I begin the refinancing process, should I pay off my debt or make home improvements so that I get the highest value for my home?

I suspect your way undercapitalized to be buying car debt or any debt for that matter.. 

Chris,Both debt or preferred capital will be setup using my cash.

Is this for debt or equity?

Even if you never buy another property and just slowly pay down your existing debt (or not) the benefits of rental appreciation alone will take care of you.  

You are young, park a camper on your land for 6 months or so and use the saving from rent to pay off debt or save itthen start looking at investment property

WHEREAS, pursuant to said Declaration, there is claimed to be due and owing as of the date of this Notice by Jacob Szyperski, as unit owner, to Prairie Bend Association the principal amount of Two Thousand Seven Hundred Thirty-seven Dollars and No/100 ($2,737.00) for condominium assessments, interest and past due attorney fees through March, 2019; and no action being now pending at law or otherwise to recover said debt or any part thereof, and; WHEREAS, pursuant to said Declaration, and the statute in such case made and provided, said debt creates a lien upon said premises in favor of Prairie Bend Association.