This restriction has kept condo prices artificially low enabling you to buy them cheaper than they should be.

I know you're not keen on refinancing since you don't want to lose your current rate and you're likely not at the 80% LTV mark, but this path would free up your options and enable you to acquire another multi-family home sooner than saving up 15% down for HomeReady.Also, your current FHA rate of 3.750% will come with life of loan mortgage insurance of .850%. 

I propose that you focus on one strategy/path of all those you listed, find the repeatable thing that you can turn into a business which will then grow and support you and enable you to quit your other job.Check out The One Thing, see if that helps.

Term life insurance is cheap unlike cash value life insurance and will enable you to buy enough coverage, with cash value you probably don't have enough.IRA can only be funded with new contributions from your earnings or by rollover from another retirement account.

This change will provide more Americans with greater investment opportunities and enable the businesses they invest in to create more jobs.

Because I'm a musician, I do keep my CDs, but if you are not you can then get rid of the CD.5.

Since you don't have the capital to do the deal without the IRAs to supplement your capital, your IRA is enabling you to make the transaction and personally gaining by the IRA's involvement in the transaction.  

The program is designed to enable teachers (for now) to own homes near the schools at which they teach.

Simply enabling either side of the equation to participate in a transaction it could not otherwise might create such a benefit.  

This guy set up a great system that enabled him to landlord his own properties. if you are already sending over your contractors to do the work, running the PM side of things might not be so bad.