Not to mention the tax benefits, potential market appreciation, and everything else that is awesome about real estate.Honestly, from an investment standpoint, it isn't great.

ACV is cheaper, but that is the absolute only benefit of it. 

She can at least still enjoy the benefits and promote it to others without that crippling debt

This is acceptable as long as the holder of the SDIRA is not related to the borrower and otherwise not involved in the project either directly or indirectly (i.e. the holder of the SDIRA does not own a company which is handling part of the renovation). 

Both are jobs that take time and emotional energy.Beginning both at once, one you are trained in and one you're (learning on your own dime for better or worse) is a big bite.If I were you, I'd buy into a facility with others as Jay recommended, which will add to your net worth and be likely to benefit you long term, and in the mean time stack up liquid cash, as much as you can, and study this business.Or if you want, just go for it and move forward with ether multi-family or single family knowing it's not as time free or risk free as many make it seem.

Set up as much as possible to run without you having to go in and click the button, and you'll start seeing the benefits of it.I spent a LOT of money on bedding and furniture. 

 @Daniel Reyesl Reyes to answer your question; it all depends but in my case, the CPA firm will often have the better advice mostly because as in all things real estate : the advice (solutions) will mostly benefit the one giving the advice.

The benefit to owner occupied loans is that when you move out the only switch that occurs is that you tell your lender you're moving and you keep the same terms.

For instance, other real estate investors may be willing to do a seller-financed deal because they would view the benefits of the note is included in their investment portfolio.

What benefit do you think you are going to get?