Too often, I see people waiting for the brass ring that continuously eludes them while prices are going up and returns are coming down and they never pull the trigger on good investments right under their nose.

@Raymond Wu  First off, I'm licensed in a different state, under different laws, so take the advice I'm giving in consideration of your local laws.Basically, you're in a really tough spot on this.

All of the neighbors will lose 25 ft of their yards , and they want considerable ( 5 figures) money to do this .

It is a general number and does not take into consideration the specific aspects of the property.

Thanks for your considerations.

I feel like it's time to pull the trigger, but they are many uncertainties about today's economy.

If you find a decent enough place, pull the trigger.

I don't think there is any way to get a loan inside an IRA without triggering UBIT tax, but if you can qualify you may be able to open a solo 401k and roll your IRA into the solo 401k which will allow debt on rental real estate as long as you don't personally guarantee the loan, you might want to reach out to @Dmitriy Fomichenko and see if you can quality.I would avoid the distribution if at all possible Hope this helps, Good luck  

Having a wholesaler that will work with a VA lender is rare as most of times it has to be HML or private money so I'd give that consideration but I would have thought that he/she could have seen this coming with a VA loan.

However, the modification may invoke some sort of trigger in the second, but it's up to the second to protect their interest.