losing money can put you in a tough mental space.

Welcome @Sartaj Ghai,Sounds like you are off to a good start and have the right long term mentality to go far with this!

She's not quite mentally running at 100%.

It's been too much for her mentally and with all the mandating of extra shifts. 

It is zoned multi-family and I could do 14 or 15 straight townhouses but the City in question, while they immediately adopted the latest ADU rules, has archaic multi-family land-use regulations centered on a large apartment complex mentality that are costly for infill / middle housing  (1.75 off-street parking spaces per unit, major landscaping requirements, "amenity" requirements, unreasonably large setbacks, etc.). 

That's probably the best path for mental health and a good life so that should be the goal, not just "financial freedom" IMO.

If youre really worried about the rate differential, just buy it down to match what the rate would be for a primary residence product when you put permanent financing in place and mentally account for it as a Stay Out of Jail fee. 

Well, you see, it all goes back to the ancient Greek lunar calendar system.In short, it's "loony".I think they mental shortcut for a "month" being different from a week is easier for regulators to grasp.

If you are simply replacing physical time with mental energy worrying about your syndication investments, I would not say the trade off is worth it.

Whatever they had to do to put all these moving parts together and make them viably work to some degree, tells me about their business mentality and possibilities for future success.