(I need to live in the next property so I don't have to pay 20% down)The part I bolded above is actually more than likely your biggest problem.  

My SDIRA is one of the biggest but with the worst possible WEB site that led to financial losses and even an identity theft (which though remedied, left me angry.)

I thought it would be a no-brainer and I'd just go with QuickBooks, one of the biggest names out there, and call it a day. 

However; no matter how you slice it, you are the ones taking the biggest risk.

My biggest problem was that I fixed the property too well.  

My biggest concern is not being able to list the home until early April due to Wells Fargo's regulation.  

It's just outside in the bedroom(but easily fixed)I realize that all these things COULD play a part, but which do you guys think is the biggest reasons?

One of the biggest business mistakes people make is trying to grow too quickly.  

That is primarily why I wanted to reply and understand further.I know that one of the biggest problems with 401k loans is job security, as the note will become due within 90 days of a job change, or the balance will be treated as an unqualified distribution (and taxed and penalized).My question is regarding the double taxation issue; I think 401k loans are generally considered last resort options because the money is paid back with after tax dollars.

Depreciation levels and such may vary a little, but for the most part one of the biggest benefits of rental properties is the income should usually end up being tax-free.