In addition, if you were to leave your employer, there's the chance these funds would have to be repaid immediately.There's some other ways to invest with retirement funds, but it can get complicated to follow and ensure compliance.

I then follow the key component of the "One Thing," meaning what is the one thing that I can do such that by doing it everything else will be easier of unnecessary.

I think that may be an unnecessary step and expense. 

That's why people don't probate because it could be a huge complication.

Since I'm OOS and this is my first rental, I'm not looking to complicate things too much, so not looking at BRRRS or flips for the time being but instead turnkey SFHs that are mostly ready to rent as is.

But that's a whole other discussion...)But, what she's asking for here is not complicated nor difficult to set up.

if separate buildings, you might look into re platting into various lots, but that can get tricky, expensive, and more complications than it may be worth (splitting utilities for one, UECs are expensive).  

Has anyone had luck using a local bank or credit union in Tucson, AZ to refinance a complicated loan, rather than going through Freddie or Fannie?  

In my mind, an agent doesn’t earn their money from the easy ones, they earn on the complicated ones.

If another investment comes along, I could just write myself a check for the additional cash I would need for that one right and I wouldn’t have to incur unnecessary holding costs in the interim with the HELOC.