I would encourage anybody with an SDIRA to consider switching over to a Checkbook IRA for some of the following reasons:1.

Feel free to reach out to me or send me an email I can walk you through the basics and go over what is required and what to avoid.

These were investments, the value of the assest are there, its the liquid that ran short and had to resort to credit cards to fix up the propertyYou spent $50k from savings, borrowed $50k from a 401k, and are paying it back over five years at around 7.5% interest, then borrowed another $40k from credit cards and are paying that back at around 8% interest, maybe more.

Focus on tax-saving strategies such as cost segregation studies and bonus depreciation to accelerate deductions.By qualifying as a Real Estate Professional (spending 750+ hours annually and materially participating), you can offset your wife’s S-Corp income with real estate losses, reducing your tax liability.

I had a distinct advantage over my competition who had to do their own courthouse searchs.

Overall I would personally consider how I can still grow with the freedom that I have focusing on my real estate.

When you own a rental, you can depreciate the property over 27.5 years.

The difference between a 12% return and a 16% return compounded over 20 years will make you sick to your stomach. 

If you paid over $375k MAYBE you could keep it because the taxes saved are so low.

Based on the questions you are asking I think you need to spend more time listening to podcasts like Bigger Pockets and Bigger Pockets Rookie.