Alternatively, restructure the loan with equity participation for potential capital gains treatment at lower rates.

Invelo is a true all-in-one solution for real estate investors, built with industry-proven best practices.

If I have a skill, knowledge, the right contacts or or a passion that can be leveraged into potential gains, that is where my money is applied.

I’m currently targeting properties in the $200K–$500K range, depending on the location and potential cash flow.

I'm also looking for stable population and potential appreciation. 

Quote from @Basit Siddiqi: I personally would not buy real estate with a retirement account.There are just too many headaches that are not worth the potential increased return.Some headaches when it comes to investing in real estate with a retirement account1) LTV values are less and harder to find lenders.2) Potential to sell or partially distibute the property if you have to do a RMD(Required Minimum Distribution)3) If you run out of cash and have to make a major repair, you may be out of luck and have to sell.4) Having to potentially worry about UBTI(Unrelated Business Taxable Income)I would personally invest in stocks/bonds/notes with a retirement account.I buy deals with cash and use a ROTH SDIRA so there are no RMD's.I buy at huge discounts to retail.

So someone who is looking purely to maximize potential return (and has unlimited time) is unlikely to find this a good fit.Here are some good websites for seeing the variety of deals that are available for hands-off investing/passive.1) CrowdStreet.com2) 1031Crowdfunding.com3) Ark7.com4) Finresi.comGood luck!

The more rational you are, the better the outcome.Practice and LearnLike any skill, negotiation improves with practice.

Diversifying your portfolio could reduce risk and improve overall returns.Higher Cash Flow Potential: If you redeploy the equity into markets with higher cash-on-cash returns, you could significantly increase your monthly cash flow.

•Off-market deals: Creative strategies for connecting with potential sellers and standing out in a competitive market.