The drawbacks of the SDIRA are the contribution limits and that IF you want to borrow non-recourse money there is paperwork and a small tax that apply. 

Hey, there was a guy I just used ... allowed me to pull 50% out of a paid off property ... no income verification and credit qualification ... though they did pull my credit. 

Some are as low as $100 per and some higher depending on the age, zip code, and build type (frame vs brick, basement vs slab, etc)If you are insured for less than the full replacement cost estimate amount - will the insurance company apply a co-insurance penalty to any losses?

Your current lease still applies with full force and effect as well.

The same applies to room rentals. 

My credit score right now is over 700 so still looking to build that more as well.

Maybe this did not apply in your case.

i know i can call and get quotes but they run soft hits on your credit for each one so i'm not looking to have tons of hits on my credit. 

So this would not apply to the bid on the court house steps deals.Do your due diligence. 

You can get credit for any option fee that you paid and also any rent credits that are fully documented, so long as the rent credits are over and above what the market rents on the appraisal comes in at.