Whenever your insurance company gave you the money, they gave you the amount of damage that has sustained, that basically replacement cost of the damage. 

Property must be sustainable at a 75% occupancy rate.  

Each month, in fact, about 30% of the folks who contact us have in mind something that is not well suited to such a plan, and we are very up front in letting them know that - and either walk away or help them adjust their goals to something that will work.There are, however, many ways that an investor can use a self-directed plan to invest in what they know and build their tax-sheltered savings in a more safe and consistent manner than would be possible with a portfolio entirely based on the public exchanges. 

I am going to look into roof I think as I get more rentals I need to have options to scale because picking up rent checks just will not be sustainable for me.

It seems like there is no good way to set the exchange up in a stable manner.

Oftentimes I will show MY ID to another person to show them that I am who I say I am and then I say, "Let's look at yours" in a jovial manner.

Other options seem to be working with investors and financing via hard money - but I worry the cost may eat me up if we slip on time/runs longer than anticipated.Any more creative options on how to do this to minimize risk, ensure working with someone that can get it done in a timely manner, and minimize cash I need to put into the deal?

In case anyone comes across this thread, I overlooked the obvious answer:  in an SD IRA, you're not allowed to perform any services yourself for your IRA as this is construed by the IRS in a manner that would invalidate the IRA's tax status and open you to significant tax penalties.   

The property must be able to self sustain if it's a 3-4 unit regardless of the borrower's qualifications.  

Given the sustained momentum and growth of renter households vs. owner households (JCHS Data), one might say that you are actually arriving at just the right time!