There is still plenty of room above how much the mortgage is.Honesty and trust are important and it seems you're not getting that.

This is when you buy a primary residence (1 to 4 units, the more the better) which you can usually get for a very low down payment and get the best interest rates on and then rent out other units and/or bedrooms within your unit to pay for the mortgage and other expenses.

-house hack or rent out your vacant units out to lower your monthly mortgage payment.

@Richard NguyenHere are some of the downsides of putting real estate into a self directed IRA or 401k.No tax deductions: You can’t claim deductions for property taxes, mortgage interest, depreciation, repairs, improvements and other property-related expenses.Property expenses: All expenses, repairs, and maintenance costs must be paid with IRA or 401k funds, and you must pay others to do repairs and manage the property.

It’s a popular way for new investors to dip their toes into real estate because it allows you to generate rental income while reducing or even eliminating your monthly mortgage payment.While house hacking can be done with single-family homes (by renting out rooms), multifamily properties, such as duplexes, triplexes, and fourplexes, take the concept to the next level.

That's what house hacking is - getting roommates to pay as much of your mortgage payment as possible. 

I waive escrow on all my mortgages and pay taxes/insurance with cc, put repairs on cc, etc.

You are sitting on a big unrealized gain with that mortgage and if you prepay it you’re paying them back at par.

With my mortgage eating half of my income, it sounds crazy to take a second one. 

You mention going on title and taking over the loan - is there an existing mortgage?