I was with them for 3 years, and during that time got 0 money on my investment, and the communication was not great. 

I would suggest getting Dave Ramsey's book called The Total Money Makeover and read that.

@Huong LuuIn my opinion, presuming you need the money - it is better to cash-out refi the property.  

There are two reasons this is a bad idea.Investing with an SDIRA (assuming it is not a Roth) will often result in paying significantly more taxes. 

I am looking to purchase real estate for both investment purpose as well as to offset as much tax liability as possible. 

The biggest question you need to ask yourself is if you are doing this to afford a property you otherwise couldn’t afford or to save money period, that will lead to very different conclusions about where/if to buy. 

Other analysis you can do is analyzing your cash flow, passive appreciation and principal recapture to see the total picture on your ROI.Once you do the analysis, you may find putting money into maintenance may or may not be worth holding the property.

The lender may figure if the borrower had this kind of money they’d be making the mortgage payments. 

So all of the gain and depreciation recapture are initially still tax deferred.However, like Joe said, the down side is later when sold  you lose the 1031 option. the client will pay tax on all gain and depreciation recaptured from before the 1031 also. 

Hard Money How did you add value to the deal?