Once I had the right person to speak with, things went much better, and I hope that is the case for your situation, too.  

We take a "whole person" approach.

My personal credit score is a 780 and I have multiple other properties but still not busting the DTI metric. 

The more people living in a building, the less personal responsibility each tenant feels.

Work with a CPA familiar with SDIRA tax implications to plan accordingly.Private Placement Memorandum (PPM) review – Ensure the syndication allows for IRA participation and that the deal structure aligns with IRS rules.Direct Purchases with Non-Recourse FinancingLender requirements – SDIRAs can only use non-recourse loans, meaning the property secures the debt, and your IRA isn’t personally liable.

Another option is a personal loan, but positioning it as a home remodel (rather than an investment property rehab) could improve approval odds.

I personally am not trying to build a portfolio of 100 doors, I am trying to build a portfolio big enough to support our ideal lifestyle. - We start with the property vs. the numbers. 

(Cost Basis – Land Value) ÷ 27.5 = Annual Depreciation ExpenseIs the land value the year I bought the property for personal living, or when I started renting it out?

EVERYTHING is recorded, accessible by management.We do NOT allow our staff to use personal cell phones as can't track or record.

Depending on your risk tolerance you may not need an llc, an umbrella policy can provide as much protection talk to your insurance person for this.