I have heard some different strategies over the years, but the DST is the only one I have ever been able to confidently get behind with all the legal implications.

I just want to be confident in who i am hiring Another thing is the refinance any advice on refinancing , what banks should i use?

Our income is joint and both of us earn it.Ultimately I must feel very confident that an investment will work because I’m the main player in working the program.

I am pretty confident in my rational but I'd like opinion from others who may have experienced this situation or any legal input! 

If the interest rates are low/reasonable and you are confident that you can get a higher ROI, then perhaps it may make sense to invest rather than pay off the low-interest debt.As for the SEP-IRA, I'm personally not a big fan of using IRA money for investing in real estate.

The returns have been very generous and I am confident that I am replicate the same business model with properties in the future.

How confident are you that you will be able to generate a return higher than your cost of capital & 2.)

Use common sense, follow BKM's (best known methods) and use quality components and things can go well.I agree with @Michael Kugler that it is easy to make a mistake and cause some real damage, so if you aren't confident, just hire it out.

For full disclosure, I'm new to real estate investing myself and am learning, currently have 0 deals under my belt. the advice is simply from what I have read, but I am confident that the more experienced investors on the forums will tell you something similar.

@Zoran Domazet If you're confident in your numbers and the ARV, then pay what you think is best, if you feel $105 is reasonable and there is competition, pay asking or more, otherwise offer what you think is reasonable and based on the kind of return you need.