It is very hot right now so I am looking for alternatives SF and Condos.

Alternatively, you still need to reach out to  RE attorney (in the case it's not going to be a syndication, rather you opted for another option.) 

There is a specific category where you can find many discussion on this topic:https://www.biggerpockets.com/forums/51-tax-legal-...Checkbook IRA LLC is a vehicle which can give you checkbook control over your IRA, depending on your investment strategy it might be good option for you.A truly self-directed Solo 401k option that Alina mentioned above is even better alternative, however it is not for everyone.

I'm with you on getting paid to learn how to size houses up, that's my rationale for getting into REI through an alternative angle like appraising or inspections.

@Kyle AndersonAwesome So for your alternative investment, are you thinking single family home?

As incomes tightened and hyper inflation kicked in tenants tried to move to cheaper alternative housing whether a house or apartment building.Those landlords that try and not push top rents too much tend to not have to do much in a correction.

Because I've been around lending so long, it was a good fit, my husband helped me get going and I've been fortunate to ride the wave of alternative lending. 

Not only can CoC/IRR be used to compare alternative investments, they are also superior to cap rate, so why use cap rate at all?

Sounds like my only "alternative" option would be to go back to the seller and try to get him to carry an additional 250k.

Im prepared for alternatives should the personal loan prevent me from refi due to credit limitation.