Then you can choose to get a roommate to make extra money.  

MM$ projects with 25% ROI
monthly payouts - payback with 25% ROI within 5 years
Invest and payback gets you 100% vested in 50% of MM life insurance policy
Invest and reinvest (partner) gets you 100% vested in 10...

Seems like it is best to go with what is written in the will - split the estate and he gets 160k extra.

I have also run the scenario of putting extra principle payments into the conventional mortgage, but we cannot put away as much, because we have to bank for large purchases down the road.This spreadsheet takes into account that my wife takes a drop in income in the next few years to care for babies (growing family), also factors in major expenses on the rental property, and assumes that we have 10% rate on the HELOC to be conservative. 

Read my Utilities 101 below to see some options.

What some companies do and maybe something you should try is setting up a split payment schedule for them but for a fee and make a little extra scratch. - if you do this make sure it is well documented so that your eviction will not skip a beat if something goes wrong. 

This post is exactly why I say spend the few extra bucks and get the keyboard with the comma and period keys. 

I can convert the garage into a one or two-story extra unit on the property.  

I want to make sure I'm not missing something.I can withdraw penalty free from prior Roth contributions and 5+ year old conversions, an inherited tradtional IRA, an HSA with prior medical receipts, among several other options.

Any advice appreciated.Most investors typically hit a road block at some point where conventional is no longer an option due to DTI, etc.