Whether the parties agree to conduct a transaction by electronic means is determined from the context and surrounding circumstances, including the parties’ conduct.”

I don't know if this fits your circumstances, but when you reach retirement age, you may be able to receive the property from your IRA as a distribution, without having to sell it.  

I would definitely consult with a real estate CPA to discuss the real tax benefits for passive investors and how you can take advantage of them given your own personal circumstances.

And then determine which one makes the most sense for you, considering your personal circumstances, and the market you plan to invest in. 

The only reason I had such a low DP is in Hawaii, it's possible to convert a primary residence to an investment property after living in it for 12 months under certain circumstances, and if purchased as a primary residence, you can put 5% down or 3.5% for FHA. 

Life circumstances can change, and if you find yourself needing a different living situation, you'll have peace of mind knowing that you can rent this place profitably.  

I believed this to be a very good opportunity due to the circumstances that presented itself.

An investor might consider a voluntary re-cast in such a circumstance because it'll lower the P&I and improve cashflow.

But I will under no circumstances replace her watch.

If you give the Exact circumstance and fees instead of being cryptic about it, perhaps we can offer an opinion.