This platform provides the same level of investment flexibility as the Solo 401(k).You do not need to do 1031 exchanges in a Roth IRA. 

Since they know your market and are local, they'll likely be more attentive and flexible with your own initiatives. 

Obtaining bank financing is going to be more scrutiny and less flexible usually than using private money, but again, it's project dependent when it comes to ground-up construction. 

@Dave Gibb, I don't have an answer about your Canadian status and how that will affect your ability to borrow, but I agree with the post above- a HELOC should be within reach for you, and it's the cheapest, most flexible form of capital you can get.

This allows you some flexibility if the relationship worsens w/o waiting another 12 months to deal with it.

So I need some help either finding a more flexible commercial lender or I need some creative ideas on how to make this work. 

So I need some help either finding a more flexible commercial lender or I need some creative ideas on how to make this work.

Aside from cutting the number of hours your CPA might spend on your books, having online version will give you more flexibility on the CPA you can use.

My wife works a 9-5 (though somewhat flexible).

I could go on forever with advic3 but I'll end th8s by telling you to stay flexible and be able to go to a popular place and remember that debt can be a good thing if it puts money in your pocket.