You'll want to discuss the details of your situation with an expert to see if your wife would be able to participate in a plan setup for your self-employment.

You can reach out to a few to get more detailed info on which structure would likely work best for you.The Solo 401k requires self-employment activity, but will allow you to take participant loans while the IRA does not.A few other Solo 401k benefits: Compared to an IRA, Solo 401k contribution limits are roughly ten times higher.There is no custodial requirement for the 401k.You don't need the additional expense and administration of an LLC to have checkbook control.There is a built in-Roth component whereas IRAs are either traditional or Roth, not both.A spouse can also participate in the same Solo 401k plan.The Solo 401k has additional tax benefits over an IRA when investing into real estate using leverage.The penalties for prohibited transactions are less severe, though it's best not to utilize this benefit :)

GP 5%/ LP 95% (Institutional equity wants to do 10 / 90)1.25% Acq Fee3% Asset Management is fine70 / 30 after a 6% or 8% (institutional equity would want 10% but settle for 8%). 

Additionally, requiring a borrower to go delinquent before consideration, would subject the servicer to penalties and sanctions by CFPB and while CFPB is tasked with regulating banks over $10 billion in assets, that financial institution's regulatory authority will follow CFPB rules when nailing the servicer for their violation.

Also there was a developer there that talked about institutional financing for projects would also be impacted because they require 3 times rental income with their underwriting.

ULI also (urban land institute).

Please see additional considerations below.If you are eligible to set up a self-employed Solo 401k (or have a 401k plan through an employer which accepts rollover contributions and allows for 401k participant loans), another alternative which would avoid taxes and penalties would be to transfer your funds to such a 401k plan and then take a 401k participant loan.

None of the institutional investors were present. 

Are there any credit unions that will allow for this or other lending institutions that do not need to follow the Fannie/Freddie lending guidelines?

The tech has been proven, institutions on the move.