I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

@Jim Stanley Keep in mind any expenses of your SDIRA asset must be paid for by the account that owns that asset. 

If one partner unconditionally guarantees the debt, this can sometimes require some side room guarantees to that partner to ensure no one recognizes a capital gain.As a few others have alluded to, there is a secondary problem known as a "debt financed distribution interest expense." 

Given the competitive market at the time, every property was receiving multiple offers, and securing a deal required both strategy and speed.

Only a few simple documents are required, including a valid passport, birth certificate, and proof of address.

Above are just hypotheticals, but they bring to light the point, which is, evaluating opportunities requires apples to apples comparisons. 

All that is required is 4 weeks advertising in the local paper then call the sale on the courthouse steps the following month's first Tuesday.

A DSCR loan is going to require more down, have high fees at closing, a higher interest rate, a pre-payment penalty, and will require you to have cash reserves that you likely don't have at the moment.

One of the biggest complaints was the lack of places to stay and the expense for such.  

The problem is that your debt payments are going to basically wipe out that $400K profit unless there is room to increase revenue or reduce expenses.