Everyone has been spoiled by the last 10+ years of low property values with high rents and low interest rates.- Just ask any investor doing deals prior to 2008 Real Estate Crash!

I'm running your numbers and getting in the low 20% range.

Low Risk: TDAs are insulated from market volatility, offering peace of mind.4.

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

The value of your SDIRA may be too low, but I'd recommend Gary Mobbs at South Star Bank in Gonzales, TX.

Personally I like keeping my properties that I know are successful and have low maintenance.

As I see it, the only ways that real estate pays you well in the first 3-5 years is low to no leverage or a strategy that requires more work (short term rental, mid term rental, rent by the room, etc.).  

Is there a way to have No money Down or Low money down? 

Yes, Spain has a wealth tax but it's above €2 million taxable income and the rate is low so it's not going to kill you.3.

We had a discussion about the costs I have endured and the low ball offer to cover expenses for going 5 months past contract deadline but haven't heard back.