Less administrative and legal levels can make returns higher. 

@Nasson RaymondI cannot speak directly to the services of Advanta, and must disclose that I am a competitor offering a different kind of service in the self-directed plan space.Two key things come to mind:1) Advanta is a 3rd party administrator for IRA accounts. 

You can certainly borrow money from your 401(k) in this fashion....if your 401(k) would allow it (your plan administrator or the plan "terms and conditions" would be able to tell you). 

They can generally recommend a TPA or custodian that they are comfortable working with.A TPA (Third Party Administrator) will provide you and/or your investors with a self-directed IRA account, handle the flow of funds, and file reports as required with the IRS to maintain the tax-advantaged status of the IRA. 

We received the "obama" tax credit which gave us 8k at closing!

I work full-time in healthcare administration and my current budget allows me to save around 40-50% of my income. 

This is the one we use all the time with investors.Moreover, if he has any interest in the property, he needs to be disclosing that to you in writing as well.His office's "different take on agency" seems to be that they don't care about administrative rules from the Division and they are unaware that there are state approved forms that address this situation exactly. 

AB 671AB 671 lowers costs through government incentives for building ADUs with affordable rent.The bill would require the Department of Housing and Community Development to develop a list of existing state grants and financial incentives for operating, administrative, and other expenses in connection with the planning, construction, and operation of accessory dwelling units with affordable rent.

The Series LLC offers several benefits to prevent lawsuits through anonymity, separating your asset's liability, cost savings (you are only forming a single entity rather than 9 + however many more you plan on getting) and streamlined administration (a single entity can be managed easier than 9 between banking and taxes.)

Why not buy out the interest of the estate and start the Administration process.You'll be self representing the estate yourself.