Even though 3 bdrm may yield higher income on paper, the longer vacancy and cost of repair esp. renting to a family with kids could possibly offset the income benefit the 3 bdrm brings.

I know that having multiple properties through financing has it's benefits in a normal scenario but from what I've read I could have some issues with UBIT if I do that since I'd be using a self directed IRA.So having said all this does it make sense to move my money out of Betterment and use it for rental property investing?

Where RE returns really start to fires on all cylinders is through the combination of the four wealth generators and the fringe benefits.

You do not need to rezone anything nor you need a company (unless if you want to or if that benefits you for tax purposes).You may need to have business income receipt tax account with the city of philadelphia.

This still benefits your sibling because it helps keep the value of the building where it should be. 

Also the equity in your house is dead money and barely providing any benefits for you.

The added benefit, however is, I am now slowly building equity in the property and my girlfriend gets her new kitchen.

Account Closed I wrote a blog on the benefits of owning MHPs.

Benefit from their knowledge (until you build you own preferences).  

This seems to be the most important thing for my wife at the moment, not cashflow or the other benefits of Owner-Occupied SMF properties.