Technically speaking there are a plethora of other debt or debt like instruments that would yield much higher, but I would not say the risk is comparable to your Ally account. 

Start a single member (files Sch Cs and doesn't deal with K1s) LLC and pay DnB $500 to build credit quickly while boosting my personal credit and paying off all debt or converting all personal debt into business so it's off the personal reports for DTI.

.- Folks with short-term rentals who projected returns using numbers from last year- Folks with flips or BRRRRs that they need to exit or refinance- Anyone with variable interest rate debt, or any time-bound pressure to sell, refinance, or exit their investment in the next 3-5 years.

I max out my Roth IRA every year and also contribute 10% of my pay (before taxes) to my Simple IRA as I shift into a debt reduction phase later in the year this year I do plan on upping the contribution to 15% of my gross pay once I feel comfortable with my level of debt or have eliminated all my bad debt (incurred getting the real estate stuff going). 

You can always add more debt or more cash if you want to invest more, but you can't invest less than $92k of equity and $135k of total value.

If she doesn't qualify then have her get higher income, lower debt, or save a bigger down payment.

What are your most important steps and follow-through principles to getting paid when the note matures or debtor wants to pay off early?

Producing cashflow from purchasing debt or originating it on properties.

It really frustrates me when I see people asking, "Should I pay down debt or invest in RE?"

Does this sound like I’m getting too far into debt or could this just be the start to building a nice sum of equity that will help me buy a turn key ready property in the future ?