Im down to 6 loans right now and scaling back going to retire soon .

Quote from @Jonathan Chan: I used my Mom's to help her retire by becoming a lender on real estate projects, but curious to see how others are leveraging their SDIRA.  

It is great to hear you have goals to retire in 15 years.

Upon contacting Rent to Retirement, we were told by the rep that Delta "cut off" communication with Rent to Retirement and if we choose to continue with Delta Build, we will have to resolve issues with them ourselves as Rent to Retirement can no longer speak on our behalf.

I am a retired USAF 20 year career and I have never used my VA loan eligibility, because it is a bad loan.  

So I had a windfall and can sort of "semi retire" with a part time low stress job. 

Perhaps they want long term income for their retirement and ultimately their heirs.

The opportunity cost of losing potential market gains in your retirement fund should also be considered.

One consideration as you are working on locating private lenders, is that IRA, 401(k), and other retirement accounts can be used in many cases to make private money loans.

Today, that building generates enough passive income to cover his annual retirement contributions.You mentioned taking the 10% penalty, which I’d only recommend as a last resort.