Looking to connect (and partner) with savvy Multifamily investors in the VT or nearby areas who share unique passion in Multifamily investing! 

If anything a homes physical being depreciates just like a car but the immobility of the land and house making it unique and special are what bring the value.

Perhaps, by so doing, I may be blessed to repay in some small measure my estimable Mother and Father, to whom I owe so much. 

It's cool to hear that you're purchasing properties using your IRA, and what you're doing seems pretty unique to me; I had to google dog trot stye.I'm going to be syndicating commercial multifamily deals using IRA accounts, so I don't think what you're doing is silly at all.

I have a unique situation that I'm having issues with.

It's a great diversification to have SFRs and owner financed properties as each has it's unique benefits.

I will rehab the property, refinance it and pull the equity out to repay the construction loan.

There are asset-based products out there designed for "self-employed" investors with high DTI, the desire to vest in a LLC, 10 + mortgages, unique scenarios, etc etc.

Your obligation is to repay the plan.

There are some nuances involved due to the unique situation, I'd reach out to @Melvin List in Florida, and this is juuuust nuanced enough that I'm going to suggest avoiding a call center big box lender at all costs, they don't do "nuanced" (at least not well).