We underestimated the amount of work.

I am 33 years old and know that the money will be worth a lot more in tax free accounts in retirement.I have w-2 income1099 income (building side business for self directed roth 401k)I currently own no IRAs only a roth account.

Nice work. 

As for the feds offering low interest loan incentives for small businesses - no, not that I know of.

Unfortunately, so many buyers are not working with agents that talk to them about reserves and capex planning.

I have identified i want to go down the Multi Family route, just time to find one that works and get it bought!

(Please no comments about whether or not my properties should be owned in LLCs, as that is not what this particular post is about.)

We used cash to buy but cashed out refinanced as soon as we were done with the work and rented it out to a tenant.

So I have a FixedAssets account in the chart of accounts, but that's not really usable for tracking the per-item depreciation...there's no entry for when it was placed in use, no way to state depreciation lifetime, nothing that ties loan points to the loan so you notice when you refinance that you should take all the rest of that line item as depreciation immediately, etc.

working with county can be challenging at timesDid you work with any real estate professional?