There are risky, but high return options like QQQ which grew 27% over the last year or on the other side / safe end, there are super secure short term US government bonds like SGOV which pays out about 4.5% in dividends. 

I was their best option.

In light of this, I have been exploring the possibility of pursuing creative finance options, specifically seller finance deals, as a potential means to achieve my goals.

My view is there is more protection on a wrap than a sub to and with the right disclosures and underwriting can be an alternative option. 

Alternatives include seller financing, a lease option, or using an LLC or trust to structure the deal while maintaining tax benefits.

I would finish 4/6 rooms down there with proper egress and optional ventilation.

It sounds like you are in a nice spot where you have options moving forward with investing, (congrats).

@Jerry Chilimidos,Here is a list of lenders who specialize in lending to IRAs and 401Ks:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...I don't know where your rentals are located and how they are performing but selling might be an option vs doing cash-out refi.I would certainly consider option C.

The growing tech sector, infrastructure projects, and diverse job opportunities continue to drive population growth, making Atlanta a promising option for multi-family investments.

Your options are greater ahead of the transaction as opposed to when the transaction has already been entered into.Best of luck to you!