Instead, roll the funds into an IRA or Self-Directed IRA (SDIRA) to keep them tax-deferred and open up flexible investment options, including real estate.

LLC's separate your personal assets from your investments and offer you protection from lawsuits related to your property, they can help to establish a more professional image if you plan to expand, and they provide some flexibility on how you are taxed.There are some drawbacks, included fees and administrative work, but it's ultimately best to consider speaking with a CPA to determine the best option for you. 

If you have the cash to make a lump sum payment and are happy with your current loan terms, recasting could be a smart move to improve your financial flexibility.

Over the years, I’ve learned that offering tiered returns can be a win-win strategy—it rewards investors for their level of commitment while helping us maintain flexibility in our business.

It is turn key, we have boots on the ground, we have a preferred team to work with in every area that we have inventory, and it is a flexible investment that you own and control.  

My partner works full-time but has a less stressful and more flexible schedule.

Given everything you've shared, one key thing to consider is flexibility.

I was trialing both side by side and in the end, the flexibility Stessa offers (like editing tenant contact info, and adjusting lease terms) were a better fit for me.  

Like Jay said, there can be more flexibility in repayment options. 

3) How flexible is the contractor about meeting at the property for their inspection to generate a bid?