I can't really speak to how good they are at criminal records; as far as I recall it either didn't find anything, or just something minor like a speeding ticket, for both sets of applicants I ran it on. 

A lot of DSCR programs I'm familiar with don't cut back LTV like that until you get to 5+, generally 1-4 units are classified together with maybe some kind of rate adder for 2-4. 

It sounds like we didn't do a good job of setting expectations with you on the front end.

Sounds like maybe equity skimming?

I like investing near big cities, Indianapolis, Atlanta, etc. 

Ideally, I’d like to become so much of value that I’d be paid for my help/ services.

It seems like you have some very solid goals of multiple income streams, and a well calibrated risk tolerance. 

You can't take any deduction on your tax return or claim any depreciation on a property owned by the IRA, just like you can't take deduction or depreciation on a property I own.

But my experience over the last 10 years of building new homes is that NOTHING comes down might stay the same but will rise almost annually Like Cement always goes up in Jan. 

But unless you're already connected with these investors, there's likely going to be a mismatch.