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If this is your primary home, then maybe there's a reason to over pay...school zone, job, security, etc. 

I have traditionally offered good security at a 75% LTV and 15% interest with no points but at this point, I am starting to get more flexible.

A bad tenant can cause you $100,000+ of damage and no amount of security deposit can save you from that.

I would love to touch base with you down the road and see if you were able to secure that rent easily.

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

Can someone point me to an official reference to the applicable law?

We had set a maximum value we would pay and after a few last minute bids, our maximum price was hit and secured.

So, lending to a partner with a mortgage secured by the storage property, or having the IRA own the property and lease it to a storage business would likely be better approaches in an IRA.

Due to the upgrades, I was able to raise the rent and more peace of mind to my tenants security wise.