So, we felt we had no choice but to stick with this guy.Move on to the end of June. 

Mostly people with minimal RE experience are adding a single ADU and they often make that choice based on cash flow without taking into account the negative equity position.  

Alternatively, explore a self-directed IRA to invest directly in real estate without triggering taxes or penalties.

Alternative rent models (STR, MTR, rent by room, etc.) do not necessarily do better and are more work.  

An alternative could be putting all your properties under one LLC to start, then reassessing as your portfolio grows.

Perhaps slightly higher from an alternative lender but definitely not from a credit union and expect much higher fees.

They have the choice of finding their own insurance or they can be automatically enrolled in my master policy.

Beautiful renovation and design choices!

Bigger Pockets sent out an alternative investment article which included ATM investments as a suggestion. 

Despite the inability to claim depreciation or avoid certain taxes, many investors appreciate the control an SDIRA offers, allowing them to invest directly in real estate and other alternative assets they are passionate about.I do not recommend buying tax-efficient assets like RE in the already tax-efficient IRAs.