One of the syndications I'm invested is in trailer parks,  it's tied up my money for over a year accruing payments BUT not offering cash flow until a certain point at which i'll get accrued distributions (?). 

I think the distribution is important here.

Instead of distributing the quarterly cash distributions, they are reinvesting it in the deal to continue to scale to bigger projects.

@Nasir El Ameer What I mean by that is giving distributions from cash flow (after Pref) to reduce the principle exposure.

You provide some information from which a few numbers can be derived but we need your full PITI after you refi to offer any sound advice. 

More than likely, it's not about if the loan is "due" if you lose your job, but the fact if you do not pay the loan in full, it becomes a distribution, which comes with a 10% early withdrawal penalty on top of the taxes. 

Meaning in certain situation,  if you distribute cash, your would have to recognize income.

One way to do this is, upon death/divorce, your beneficiaries will gain your equity and distributions in the JV.  

@Bill ExeterWe've gone over this in another post, yet you keep distributing misleading information. 

There's a reason wholesale is the fastest growing mortgage distribution channel. :)Another difference is that in 2019 fewer Realtors and consumers know how to tell a mortgage broker from a banker than in 2007.