IRS rules prohibit you personally benefiting from the IRA in any way, the only way you can benefit is to take a distribution from the IRA with applicable taxes (and penalties for premature distributions). 

But this can totally be premature disappointment. 

I've seen studies and anecdotal evidence that suggest ANY company (manufacturing OR service provider) that does not have some type of Quality initiative is losing as much as 35% of their bottom line, due to rework, scrap, premature repair or replacement, dissatisfied customers and lost business.

I have about 30 days left to find new coverage.Anyone familiar with this issue in Florida and know what options or carriers could work for me until I actually need to replace the roof rather than being forced to replace it prematurely? 

I'm not in favor of paying down good debt prematurely, but believe there are better methods than snowball for getting rid of bad debt like a primary.

That 70-80% of appraisers instead of 100% of them couldn't put a reasonable value on a pack of gum, let alone a house, yes, that sounds like a more reasonable estimate. 

It may be a bit premature as I'm still learning so much of just the investing part, where to find properties, how to finance, etc.

This might be premature though. 

In addition you should require tenants to be responsible for repairs within $50-$75 AND you should be charging a fee if they schedule a call with you for items which are caused by operator error (faulty appliance... when it’s just unplugged)Some one here posted that the Tenant should be replacing it because they used it last... and your obviously seeking advice so good on you... but certainly that is bad advice, you need to know the difference of when the tenant should be responsible .... if items break because they have run their life expectancy YOU are responsible as the landlord for the cost of replacement, if your tenant breaks it or misuses it prematurely, it’s the Tenants responsibility.

Yes leads are important but you will find yourself in more trouble then you need if you just jump into the market pre maturely.