Thank you everyone @Ashish Acharya @John Bowens   @Gino Barbaro  @Jacqueline WrightWe'll be staying out of our Traditional and Roth IRAs then for this.And we aren't ready for and aren't qualified for a self directed IRA at this time, so we'll not go that route.The loan out of the 401K is interesting. 

So, if you aren't going to refi for the next 7 years then buy it down.

You aren't going to get much response to that.

The problem in a lot of areas however is that there aren't good lawyers.

Now my primary contact, Dave Sherman, is saying that I need to deal with Bruce Wuollet on the matter (as apparently they aren't sharing information with each other). 

However, both associations have a 30-day minimum for all lease agreements.Unfortunately, the bad news is that there really aren't any other buildings that I know of where the association allows short-term leases.

However, that doesn’t mean they aren’t for sale.Buying houses off-market happens more often than you might think.

Meanwhile they aren't even properly prepared because  their focus is solely on forming Wyoming LLC's  but lacked the appropriate types of insurance, operate with unlicensed and uninsured vendors, never sign contracts etc.

Simply trying to beat big box/Costco pricing and their retail prices aren't less.

The DSCR loans seem much easier to qualify for, but perhaps there are other loan types out there that are less expensive and also aren't a root canal?