I've made about a dozen claims, with dollar amounts over $3M, so have some experience here. 

@Robin Cornacchio  Theoretically you could but your ira doesn’t have any credit so nobody will likely extend credit to it. 

Personally, I have no issues making the full monthly payments from the start, so it seems unnecessary to pay the buydown payment just to have lower payments in the first two years.Additionally, my lender said that if I refinance before the 2-year period is over, the remaining buydown payment would be applied to the principal.

So I knew there would be almost double the square footage to work with.

Quote from @Sokun So: Hot tub in Joshua Tree??

So you have to think about currency risk.   

Matthew,Thanks so much for the encouragement!

They have been wonderful tenants so far.

I've learned about hard money or direct loan companies but everyone I've talked to so far I can't really say I'd trust them with my personal information much less to to a financing deal with.

Ok, so next is no $ to do that.