I have a good amount in savings, and as a first-time homebuyer, I believe I can lock in a low interest rate.

Hello Heath and welcome to the BP forums!

Just to close the loop and shout out to @Mary Ainsworth and @Shawn Parsh for your input/advise.

Fix/flip, PML and long-term rentals are my interests.

If you see someone violating the rules, create a post with "@moderators" and we will receive a notification and respond.Again, welcome to BiggerPockets and happy investing!

You can use apps to scan receipts and keep expenses separated, and Amex even has that technology built in. 

I have a clause in the lease that says the security deposit will be held in so and so bank with so and so address and interest rate will be xyz.

This is a great place to learn and to connect with people so take advantage of all the great resources.

Is there a combination of lending products and tactics you see that can make it possible to refinance after possibly 2 years and get out a large enough portion of funds to use towards the downpayment on another property?

Sounds like this was a TIC setup which seems an unusual investment for an SDIRA (and problematic, from what I understand.)Aren't you the beneficiary of the inherited IRA?