You can roll it to a self-directed IRA (SDIRA) and buy real estate or privately lend, but you couldn't do that with your personal rental otherwise you would blow your IRA up. 6.5% right now is a great rate...it's lower than what you can get a 30-year fixed owner-occupied home for.

Non-owner occupied.

The seller did just perform quite a few renovations, and two units are already occupied, which is why the upfront rehab is currently $0.So yes, this scenario doesn't yield much monthly cash flow, but we are trying to work with little money down so the thought was that it would at least get us into the property and then increase cash flow once the $46K loan is paid off.

., I've gained most interest in Mid/Long-Term Rentals and BRRR's, and I would most likely want to try to Owner Occupy a House-Hack as my first property. 

I'm considering a commercial property (16 - 1Bed1Ba units) with a current annual rent roll of $170K fully occupied.

@Blaise Peterson from a PMC point of view:If the property is vacant, we'd just terminate the contract, because there's nothing really to manage and we don't just want to be used cut the grass.If tenant-occupied, there's a host of liability issues for a PMC if owner hires another agent to list for sale:1) Who knows what transgressions the Owner's agent will cause with the tenant while showing it, possibly resulting in the owner and the PMC getting sued.

The most aggressive lender I could find in my city would go up to 80% LTV on investment properties, but I have never asked them about owner-occupied multi-units.Take the 2-3 hours required to call every single credit union or bank in your area.

@Dakota GageNo lender on an owner occupied property would lend the full 100%

I was primiraly looking for multi-unit (2-4) units to start my journey where I could occupy one of the units.

This is an essential tool for anyone buying a tenant-occupied property.