To be honest, I am still struggling understating the DSCR, I appreciate all your contributionsTracey. 

Typically, the company evicts the homeowner within six months of the rescue sale, and the homeowner loses any equity he may have had in his home prior to the scam.In addition to fraud, negligence, consumer protection act claims, unconscionability, unjust enrichment, slander of title, and intentional infliction of emotional distress, foreclosure scam artists may be liable under state statutes addressing the licensing of mortgage brokers and real estate sales and under federal lending statutes.There are several resources available to attorneys who wish to pursue predatory lending and foreclosure rescue scam cases Many states have active consumer law bars that may also offer assistance and advice. 

(Our position here may be a little understated but I would rather be conservative) We currently pay about $1,500 for our mortgage payment including the $30k in HELOC and the FHA PMI.

Here you can sell part of an interest but there can be limitations under state laws.

The quesation was not how old must you be to have a SDIRA, it asked how old do you have to be to OPEN a SDIRA, clearly, to open any financial account in your name or in that of others, you must meet the statue of frauds, have the capacity to contract and unless emancipated under state law, and even then the administrator/trustee may not recognize the emancipation issues, you will need to be 18 years of age.

Even though Life Co's are routinely responsible for 10%-20% of all originated commercial loans, their role is often understated.

Hopefully they will not chose to seize anything from operations that are legal under state law and where the prior administration openly said they would not enforce the federal law. 

Another aspect is that you may be saved under state law that could limit guarantees of minority stock- holders, as they can be and are, but not if they provide a guarantee voluntarily when the debt is created.I suggest that you see your attorney and address the by-laws with a hold harmless and indemnification agreement between stockholders and the assumption of debt with a personal guarantee by those admitted to the corporation between officers, directors and stockholders.

They naturally overestimate value and understate repairs.

And I charge the max penalty allowable under state laws.