Hi Mark; multiple options out there.

If you are having trouble finding a duplex, is house hacking an option?

My wife and I have different appetites for real estate investing and have not found a professional that can help us work together to understand the key questions we should be asking ourselves and help us sort through all of the options.

What’s my best option to argue there.

Quote from @Cory King: Hi @Bill GrenierThe amount of structures can have an impact on financing but there are options out there.

In my opinion, these tend to be better options than refinancing in short term and mid-term scenarios.

Hi Jonathan0% financing options are available for owner occupant buyers now for duplexes.

It's important to communicate with your lender as soon as possible to discuss your options.

We have full time professional jobs and children so getting into heavy rehab or flipping is not an option.

Lenders often require 30-40% down.Cash flow considerations – Since all expenses must be paid from your IRA, maintain liquidity to cover unexpected costs like repairs and vacancies.Rental properties vs. commercial deals – Residential rentals and commercial properties can both be great options, but keep in mind management complexity and income stability.Generally speaking, stay compliant – Avoid prohibited transactions, such as personally guaranteeing a loan, living in or personally managing a property, or transacting with disqualified persons (yourself, spouse, ascendants, or descendants).Diversify your portfolio – While syndications and real estate are great, consider mixing in other alternative assets like private lending, tax liens, or even notes for additional risk management.Work with the right custodian – Make sure your SDIRA custodian is well-versed in alternative investments and has experience handling syndications and non-recourse financing.If you’re looking for specific lenders who offer non-recourse loans, I’d be happy to point you in the right direction.