@Theresa Harris did you use any legal forms or contract to allow partial payments or repayment?

Offering a more unique, less obvious type of space could provide you a cutting edge over your competitors.

I will take the $5000 loan and will promise to repay it and a 20% ROI if you give me 1 year to repay it".

For new construction, you want to try and get cheaper infill deals where you can build homes that are unique and have a smaller footprint (less yard space, no pools etc).

@Joel Depas House hacking has some unique tax implications.

All the bank cares about is the value of the collateral compared to their loan amount and the property's, and your, ability to repay the loan.

Being in healthcare, it provides an unique skill set to being a REI.

I don't know if you've seen this list, but all those lenders specialize in non-recourse loans to retirement accounts:https://www.biggerpockets.com/member-blogs/2810/50272-list-of-non-recourse-lenders-for-self-directged-ira-and-401kEach lender has unique terms and criteria, so do your due diligence and then select the one that works for you.You don't think you can convert Inherited IRA to Roth.  

I am finally ready for the refinance step (with beaucoup cash out) but have a somewhat unique problem: too much equity. 

The way they worded it was my rent went up, when it's not rent its a repayment.