I have a 401k (Roth) that I would LOVE to get into my IRA (Roth) where I would have more control and options for real estate investing, so I will definitely look into that!

Points are usually to buy down interest rate, but in this case you are not getting quoted anything fantastic so I am not sure why they are so high.

I recommend a Post Compliance Lead Determination (PCAD) every 5 years or so.Here's the law (emphasis added by me):460.100: Duty of Owner(s) of Residential Premises (B) Whenever any residential premises containing dangerous levels of lead in paint, plaster or other accessible structural material undergoes a change of ownership and as a result a child younger than six years old will become or will continue to be a resident therein, the new owner shall have 90 days after becoming the owner to obtain a Letter of Full Compliance or a Letter of Interim Control, except that if a child younger than six years old who is lead poisoned resides therein, the owner shall not be eligible for interim control, unless the Director grants a waiver pursuant to 105 CMR 460.100(A)(3).

Again, I don’t put much emphasis on market appreciation because it is not controllable.

I took control of a 3 bed ranch house last week.

We would put some money in the deal wrapping over the top of our private investors in order to control the deal and if anything defaulted we could foreclose from 2nd position and protect our underlying investors at the same time. 

If you delead, and maintain the standard, you will be in the clear.Here's the law (emphasis added by me):460.100: Duty of Owner(s) of Residential Premises (B) Whenever any residential premises containing dangerous levels of lead in paint, plaster or other accessible structural material undergoes a change of ownership and as a result a child younger than six years old will become or will continue to be a resident therein, the new owner shall have 90 days after becoming the owner to obtain a Letter of Full Compliance or a Letter of Interim Control, except that if a child younger than six years old who is lead poisoned resides therein, the owner shall not be eligible for interim control, unless the Director grants a waiver pursuant to 105 CMR 460.100(A)(3).

Then I used a company to create a Checkbook Control IRA LLC which allows me to pay the contractors directly instead of using the IRA custodian to cut checks.

NJ has its own set of major issues, for example tenant for life, 5 year COs, some cities have rent control....

@David Pere has a fantastic podcast called 'The Military Millionaire' as well as a mastermind group.