I'm open to something like that, but I'm not really sure what I could bring to the table on something like that, since I have no time, not a lot of money, and no expertise. :)Anybody have any suggestions/ideas for me? 

So I'm facing a bit of a dilemma about refinancing some properties and am hoping somebody might have some bright ideas.

You arent going to find a reliable "hack" to solve this.

May be just start with digging small (or big) pond (hire somebody with real equipment) and it may solve your problem

Both should go to solve this trouble. 

Unfortunately, I may have to go back to money orders and mail.If you start an eviction simply have the account blocked to not allow deposits and that will solve the problem.

I understand that to get hard money or even commercial bank money for this big of a deal would require me to prove my expertise in this first.

It's a good point.On the flip side though, employers do the same thing by calling you at home, calling your cell that they don't pay for, text you, ask you to work more than the expected amount of hours without pay (salaried is just another way a company came up with of stealing time from your life at no cost to them, in my mind everyone should be paid an hourly wage whether it's $10 or $100), ask you to come in for an emergency to solve an issue that the company exclusively benefits from.  

I love real estate and helping people solve financial challenges!

What drives those results in many cases is your network, level of expertise, and time to dedicate to managing your IRA.As @Brian Gibbons indicates, notes can be a great asset, especially with a smaller account.