Alternatively, you can convert your IRA into a "Self-Directed " IRA and buy investment real estate inside your SD IRA.

Alternatively, consider a cash-out refinance or HELOC to access equity for future investments while keeping the property.

If you do get a second set, make them yours, and assign the tenants each alternating days to the other. 

I could also see this as an alternative to installment agreements if they were ever dissallowed by congress. 

Alternative OptionsIf a straight price cut doesn’t feel right, consider creative financing.

An alternative could also be to have them pay a higher deposit.

Alternatively, you can own the rental directly, take the income directly and simplify your life, taxes and everything.

What alternatives have you explored, and how did they impact your investment outcomes?

The only thing is if the MFR is purchased with this, but not for the business then you may not be able to consider it in this loan so you may still need an alternate option there.

I could go this route, but since this is California, I'm wondering if it's better to get more personalized help closer to home.I'm also happy to consider non-Bay Area alternatives (with meetings done over Zoom) if anyone has a lawyer they particularly like.Thank you for any advice and recommendations!