I'm not understanding the purpose of wanting to refi.As for the phone calls, look up trigger leads and how to opt out.

Due to my W2 employment I cant have any bad/negative personal debt.

Take a look at the overall picture, i.e. credit score, debts etc.. to make a decision.

So the lead gen from Bigger Pockets and other places where one can publish their real estate content is going to get flooded with more looky loos and tire kickers, whereas before there were so many ultra aggressive investors one would probably not notice the looky loos and tire kickers as much because they were easier to ignore.

The goal is to keep these for rentals.I currently own the land personally and am funding the builds with a combination of HELOC and cash - no bank debt tied to these properties specifically.

Other ways of using SDIRAs could be to invest in syndications, performing  or non-performing debt, precious metals, raw land, precious metals, mobile home parks, self-storage facilities and more. 

I think he is over leveraged to a 90% debt ratio.

With the most difficult buyers it can lead to last minute re-trades over inconsequential amounts of money but is just a pain to deal with.

These are what-ifs and usually lead to anxiety for a lot of people.

What leads to the highest repair cost?