Hi @Rich HupperTo answer your original question, you can convert to an S-Corp and possibly backdate the effective date to avoid SE tax.To save even more on tax you can employ other strategies such has hiring kids, augusta loophole, revenue stream separation, section 105 medical expenses reimbursement, etc....There are a lot of possibilities to save.

do you know if there's a loophole or somewhere that will give us a permit easily?

I would look into Cost Segregations, STR Loophole, Material Participation, and Active vs Passive Income.

These only exist for large commercial properties You can always refi under your name and than quit claim the deed over to an LLC.Thats the loophole around that one but you still have to give the guarantee.  

This is a loop hole in the irs tax code that allows small business owners start/fund their businesses with retirement funds.

Do you use any loophole scenarios that makes life less stressful on your family?

If that is the case, I doubt you will find a loop hole to be able to roll over your plan into a SDIRA. 

@Matt Pulkrabek I have asked myself similar question over the years....I am not self employed so it make sense for me contribute enough to get the company match...I have high W2 salary so tax deferral is valuable to me so i have continued to max out my 401k (18.5k) annual and invest in real estate after that.Keep in mind there is loop hole (Rule of 72t) that allows you take distributions from your IRA prior to 59.5. 

They leave lots of loopholes that help them avoid liability and do not protect the buyer (this is how they are able to keep their fees so low).

Sheisty  individuals, and in some cases organizations, who twist, manipulate, and take advantage of the system and loopholes therein are the main problem.