Not to mention it could be a challenge to get traditional financing because even though you're debt free without a high enough paying job your debt to income may still not meet their criteria for a loan that large. 

They were members of a Christian church when my father was alive.Their real estate portoflio to include their primary home is worth 6.2 million, and their passive income rental brings in over $240,000/year.

Also, consider living BELOW your means as you clearly overspent on your primary residence which is a common scenario unfortunately. 

However, the higher interest rates with these products can be a downside, especially compared to traditional mortgages.

If the employer does not offer a Roth 401k then they 401k is traditional.  

In other words, these are GREAT locations.I used a traditional bank to finance the purchase of each of these buildings - using a traditional commercial real estate mortgage.

Hello,If I purchased a SFH with an investment loan (i.e. not primary home loan), and it's been over 2 years since I got the loan can I transfer the loan (presumably the buyer needs to go through all the same loan due diligence from lender) to a buyer that will use the home as their primary or secondary home?

What I would do is check with your current insurer for your primary.

The key is to allocate expenses proportionally between your primary residence and the rental units.

I have money to invest and I have some experience with construction as I have worked as an electrician for 3 years, general construction for 1 year and currently doing all of the rehab for my primary residence.