Many would suggest against RE investing using retirement money but if you go into low risk opportunities it can be a powerful diversification method.

These methods involve securing financing, identifying suitable properties, and overseeing renovations.

I am surprised that @Noah Wrights clients aren't as concerned with that.

I’m a little concerned about off season rentals.

The only two ways to rectify this are (1) purchase the property far below market price or (2) significantly increase the property net income usually through some method of “repositioning”. 

This depends on if you are using the Cash or Accrual method of accounting for tax purposes.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

I am trying to get a hard money loan to start with the BRRR method.

Is the only way to pay for a Reno for my childhood home to sell my current home or is there a method I'm not familiar with that I can use my current homes value to help me out??

I could also just do RUBS on each of the 4 units based on # of occupants or square footage or another method (which is best???).