I currently live in an apartment in Appleton, WI paying $720 rent + $42 internet + 40 utilities per month ($802 total/month).  

It has public sewer and water.Should I do a sewer scope inspection?

Should be a non-issue. 

I explained my other refi inquiries for all those years and asked her how could she do it....she said, they were all wrong because I had a VA loan on it, the non-owner occupy rule did not apply. 

Stay in your lane and worry about you and DEFINITELY don't go on rants in public using poor grammar and profanities.

I was a rookie and did not take this into consideration when taking on the property, even though it came up in the inspections (which I re-read after my contractor told me of this issue, I did not know the magnitude of what it meant when it came up, and the realtor did not point out what it meant).I would suggest getting off BP, and searching the internet to find a local asbestos guy who can give you the facts. 

@Mark HughesAs long as you are not flipping real estate inside your 401k plan, it will not trigger UBIT. https://www.irs.gov/charities-non-profits/unrelate...

Here is the quick pros and cons on both.Gloucester: Pros -  Good tenant pool, strong schools, most houses have public utilities, consider the more desirable area of Sicklerville by the local populationCons - higher taxes, pulling permits takes the full ~21 days, higher home prices, overall thinner marginsWinslow:Pros - Lower cost houses, rental friendly township, strong demand for rentals, slowly up & coming in certain neighborhoods, lower taxes, overall fatter marginsCons - Lots of C and D neighborhoods and lackluster tenant pools, poor schools, the more east you get the more well/oil/septic you find, considered less desirable area of Sicklerville by the local populationBy the numbers both GC and WT have similar rent rolls only off by $100 to $200 depending on the house type, therefore Winslow you will net more but have a slightly riskier houseAgain this is just a general view, you'll want to look at each sub-division as there are massive swings within each twp (Ex: Brittany Woods compared to Cobblestone in GC)

I closed 6 townhouse style, non-warrantable condos in Akron that were contiguous, but deeded separately late last year. 

On here you will find many "successful" SDIRA investors who have clearly violated the prohibited transaction rules, they just haven't been caught.Essentially if you are looking to invest with a retirement account and you want it to remain retirement money it can work, if you are looking to create non-retirement income or look to help finance yourself it generally will not work.I have probably talked to 50 people about this, 2 are doing it correctly, a couple have disregarded the rules and have done it anyhow, and most everyone else heard a pitch and wanted to make it work when it couldn't work for them...Maybe you can get a national person to do a webinar for you?