Hi @Mindy JensenI would recommend @Carl Fischer to talk about Self Directed IRA Investing.I also think these guys could make for some interesting guests:- @Douglas Skipworth- @Brecht Palombo- @Paul Moore

Im self employed and my debt to income doesn't look good on paper.

She is already invested in this as a builder and even offering financing.This is now obviously some self promotion...

I could also ask him to provide a report from his business (he is self employed) of his P&L and transaction reports to make sure he is making money etc. 

They have a learn as you go mentality as far as training goes so I feel you need to be a bit more self-motivated starting out as opposed to if you worked for a more well-known brokerage with a more formal training program. 

For you, it will likely be business income / ordinary income(non portfolio) where it will be deemed active / passive depending on your level of participation.There are some court cases out there where people who originate 4 or more loans in a year are moreso deemed in the trade or business of lending money.It will depend on the original poster's taxaccountant to determine how he/she will treat the income.The one con of it being business income is that it may be subject to self-employment taxes.

I'm big into learning and self development so I went for it.

Avoid this self-proclaimed guru and keep your cash.

Hello MP, To answer your question: Yes, in a divorce, the IRS allows for tax-free transfers of IRA assets, including those in a Self-Directed IRA (SDIRA), if the transfer is specifically outlined in the divorce decree.

I self manage all of mine in Indy and would be happy to chat about collaborating.