He literally opened our mind up to an entirely different business opportunity than we even knew existed. 

However, solo 401ks are exempt from UBIT caused by UDFI even as IRAs are not.

That was recently lowered to 4.26 million, and even achieving that could be a struggle if mortgage rates don’t move sharply lower.The positive spin to all this is that every year we have existing home sales below 5 million units is just “compressing the spring” further.

It seems like even the newer units are renting 2 bed for 1100 - max 1200- Do you manage properties locally or from a far? 

Thank you for any help at all even if it's a roundabout figure I would be very grateful for any input. 

@Aline Elad You said "we" so assuming you're married you can exclude up to $500k, or $250k single, in capitals gains if you lived in the property for 2/5 prior years. 

Flexibility for Future Moves: When I decided to move out later, I can continue renting both units, creating a consistent income stream even after transitioning to a new home.

Recovery on a single, charged-off unsecured business loan will likely be less than 10 cents on the dollar.

Where else is that even possible?

Money will be more expensive albeit resulting in an even lower return.