This long vacancy period can result in significant loss of income and added holding costs.

Possibly already permitted outbuildings that already have plumbing such as workshops, offices, etc might be able to be converted to an ADU at a cost that does not result in the cost being more than the value added.Building an ADU is a lot of work and can be a slow process.  

We've tried different software, with the same way, but Smarter Contact gave us the best results, so it's the way to go.

Directly withdrawing funds from a Traditional IRA before the age of 59½ typically results in taxes and penalties.However, one option to consider is using a self-directed IRA.

This resulted in literally weeks of delays, which contributed to the closing being postponed and rescheduled, losing our locked interest rate.A big gap in the overall Kiavi process is that we never received detailed introductory emails about the steps of the refinancing process.

Clearly, shes not happy and an unhappy tenant usually results in more issues down the road, and you can bet they'll be expensive issues. 

So, my first caution is it would be healthy not to expect similar results on certain real property investments/deals in the current and near future cycles.That said, there are multiple considerations and clarity needed, before I would act on any investments with your equity.

>I'd look to invest in small multi-family 2-4 units with a larger down payment ~50% or more (only way to produce positive cash flow here at the moment) I never understood why one would want to buy cash flow.  

Will update the results after. 

Focus on what matters, not on things that have nothing to do with what drives the desired  results.