Also, take into account that lenders will typically lower the LTV in rural areas. 

You will then have a few options with that rent money....you can put it into principal or you can start saving it to purchase yet another property.

Because one of the best things about investing in real estate is the tax benefits. when you invest with your SDIRA, you do not get to take advantage of those benefits. but with notes, where income is interest income and typically taxed at ordinary income rates - that is huge if you can defer or not pay taxes on that income.

And most boros around Pittsburgh don't even have an option to pull for that.

🤷🏽‍♀️✨I typically wouldn't reveal the address for obvious reasons but in this case, I didn't have many options since I only have one interested buyer (good or bad idea)?

Your only option may be to have it structured that way in order to get the loan approved and/or to pass compliance. 

There are more options than multifamily - she could convert her garage into an ADU for example.

My team and I have been testing a few options since January and the favorite by far has been Monarch Money.  

Full disclosure - I'm a mortgage broker in CA and do RM's, but the only way to see what their options are, is to get some information together.

Not only is it unsafe to collect over $7,500/m in cash, it also begs the question "why" each party goes to and from the bank with so much cash as a preferred option.