My other positive is the money that is generated from taking out the loan can be used now vs. locked away until you are 59 1/2 years. 

So, often times even if 1 or 2 of the units in the building are not generating any rent, the remaining rents are still enough to pay for all of your property’s expenses and you don’t have to come out of pocket to cover them.

Investing in short term notes with your SDIRA is a great way to generate income for retirement. 

The goal is legitimate: due to complex tax rules, you have opportunities to game the system by selling some of your investments and intentionally generating either gains or losses.

So far I am basing it on customer service.

Quote from @Nadia Jones: Also posted in Getting Started Forum, but figured multifamily category may also generate some responses...so posting here as well. 

A while ago they were taking request of adding banks from customers but I was told that they do not do it anymore.

But that also means you’re generating almost zero appreciation and barely better than bank CD returns.

Once that extra rental started generating income, he realized the higher interest rate was just a temporary hiccup on the way to bigger returns.In your case, maybe look at a structure that keeps your best cash-flow property on a lighter refi (say 50% or 60% LTV) while you go a bit heavier on the one that’s not producing as much right now.

I don't really need to know much else about someone - if they can't pass this test, why should I believe that they will be able to run a business that will generate cash?