If possible, what is the optimal legal business structure to include non-accredited investors with SD-IRAs?

We also have limits on building or placing new structures on our property.

This seems to be the most beneficial structure for realtors paying themselves a salary from the research I've done.

How do I structure this deal when it still has debt service and rental income?

If you hold a 15yr fixed mortgage, you may be able to get close to that depending on the fee structure.  

There were extra fees because of the draw process and the structure of the loan.

Retired and former service members can often be successful in real estate, and they often have many of the skills that are useful in this business, which can make it a good 2nd career - like having self-discipline & structure, valuing teamwork, and their own experiences moving and relocating.

However, she has more current debts than I do and we would have to structure how the cash flow would be broken down between us.I am curious on what your opinions are on which strategy seems more feasible or better for starting off?

Also we do not allow changes to the structure of the house on our Home Style loans …..most lenders have the same guidelines.

I did a ton of researching last year, and decided wholesaling, while just as tough  as any other business structure in real estate, would be my select niche.