In late August, I had asked my upstairs tenant to move out and he agreed to start looking for a place. He lived on my property through September and moved in early October. However, he says he still has junk upstairs ...

(Except probably she'll want a favor in return!

It is actually your return that is is the tax payer for the old property and it is that tax return that must be the tax payer for the new property. 

Was Offerred rates of 5-6.5% after few phone calls, with early return penalty for 3 yrs etc and company was willing to transfer money to my account in 1-3 days ( it’s not a line of credit)Thinking of using this as a down payment for my next deal, but it took me 4 months to find my last deal. 

I hear a lot of people talking about advantages of self-directed IRAs and understand the tax advantages are huge--not to mention essentially having a higher return without taking a higher risk.

I personally don't like 30K houses in bad neighborhoods with lower returns.

But of course I am structuring my T1 and T776 in such a way as to minimize taxes.So how would I continue to grow, get good bank rates, and still have a tax return that shows lots of expenses, to keep from paying a lot of income tax?

If it wasnt possible to have more than 100% return on what you put in, then flipping couldnt exist.

The market is starting to return to normal. 

While a seasoned person will want much higher returns for their money.Essentially, if you are already generating 6%-8% returns on your money, you would be looking to do that or better to consider a property worth it.