Do you have a  full blown loan pre approval completed yet ? 

Im looking at DSCR loans and possible other hard money ideas.

Your loan size will also effect the rate as a lot of the better non-qm financing have loan mins etc.  

If you did want to see what getting a loan looks like to have the ira buy real estate then you can talk with these lenders. https://www.biggerpockets.com/member-blogs/2810/50272-list-o... 

(this does not apply to FHA or VA loans) (4-14 days out)Step10: cleared to close!

It's a private loan.

Listed Rent would be between 3500-4200 per month depending on a local property management company strategy.We have assessed our budget and goals while in Europe and would not want to maintain a mortgage in USA (vacant) AND a rental payment in EU.further details: we are 3 years into the loan at 2.625% int, primary and only residence owned, house will need 2 new AC in next 2 years, water heater, and driveway repairs, would only rent with a property management company as we will NOT want to manage from abroad. 

So if you are planning on keeping it, my understanding is that you would only need to live there for 12 months in order to qualify for low down payment loan options if you wanted to purchase another owner occupied property.

My first property was based on a VA loan.

You are not allowed to provide personal guarantee on a loan with IRA-owned property so the only financing that would be allowed is non-recourse.