To overcome this, I suggest you resolve the issues the tenant is complaining about if they are reasonable issues to resolve, and then you can explain all the benefits of them using Avail. 

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However, there are still plenty of tax benefits when it comes the income you generate from your multi-family property that you can deduct from. 

If you lived there 3 of last 5 years consider the value of exemption on capital gains tax.

Thank you.While I am lending exact direction, you will need to dig a bit more on the statutes, to gain full comprehension of the statutes in reference your question.     

To Sum it up, its a good idea if you can exceed the cost of capital (higher rate than your cost of debt) with what you earn on your heloc/debt you pull out and invest.The question is how much gains above is enough to substantiate the risk of your variable interest rate, well thats up to your personal investing criteria.

I haven't lived in it long enough to be exempt from capital gains, good point on that.

Even if you defer your tax liability by 5 years, you can double your net gains after you pay taxes when disposing an asset (cap gains and depreciation recapture).

For short-term gains, options like private lending, where your IRA acts as the lender, can provide consistent returns through interest payments.

Keep in mind that strict rules apply, such as avoiding self-dealing, prohibited transactions, and personally benefiting from the property.If you’re not looking to involve your IRA directly in the property purchase, you could explore other creative financing strategies outside of your retirement account.