No sense in paying off any properties at this stage given those golden interest rates you just mentioned. 

Is there a way to utilize part of my Traditional IRA funds as a down payment on a SFH investment property without being penalized? 

We're doing the disclosures now and I was quite surprised at the 2.469% of Loan Amount (points) Origination charge which brings the total Origination charges to $16,500 (Property cost is 645K, 10% down).

I did provide yard maintenance at his request when I first took over the property. about 1 year ago. 

The rent on the property is currently covering the PITI.

I am trying to get a loan to buy an investment property, and they have been contacting me, but I am not sure if it is worth going forward or not unless someone has already done business with them.

If someone owns 3 properties and uses their license to help a few small investors, that's right up your alley.

We currently have one rental property and looking at building a primary home.

It seems like we could get a down payment for a new, cheaper property and some passive income while also saving the buyer money. 

This is the sum of all the personal property (Car and real estate) in the town.