When you borrow money you agree to pay it back.

Nor would I pay retail for a property with that low proforma return even though I like PR.  

I don't even mind paying ridiculous interest rates as I understand this is a big ask.

For example, if the loan officer asks you what your monthly payments are and your mother-in-law moved in with you because she is struggling financially and you are paying her car payment, don't share that you are paying her car payment every month.

He pays seller's note ("outside" loan), and then the seller turns around and pays his loan ("inside" loan).

If they fail to pay the taxes, plus fees and interest, within that time, then the property legally becomes yours.

All rents you get from this property has to go back into the SDIRA but if you get a 20 year mortgage (that the rent can cover) and can pay the rental off by age 65 you will have turned that $90K into several hundred thousand’s of paid off real estate.

That's not the same as paying cash.According to a different post, your credit card debt costs you $600/month.

If some landlords are requiring them to pay application fees before they even know they want a rental versus ones that don't which do you think they will choose.

Imagine you make $100k and you are affected by 3 tax brackets.0-33k =-33K 0%33,001-66k 10%66,001 - 100k 20%You can take $100k in deductions this year and pay zero taxes, for one year and then $10,100 for for 2 years  ($20,200 total)You can take 67k in deductions this year and pay zero taxes for a year, take 33k the second year and pay $6,800 year two and $10,100 year 3. ($16,900 total)You can take 33k each year and pay $3,300 in taxes all 3 years. ($9,900 total)Obviously this is simplified but unless you expect to make much less and be in a lower tax bracket in the future those deductions could come in handy.