., business losses and foreclosure), as well as, accidents?

By the last year of our marriage, we had sold our vacation home at a $100,000 loss, lost our primary residence in a short sale, and moved to successively smaller rental homes.

It takes a lot of capital and time to develop one from scratch

look for local meetups for real estate investors You have financing to offer they might have capital and experience  

That is very tempting, have you noticed any loss of income from doing it that way?

I have tried with two smaller lenders(National Bank of Arizona and OneAZ Credit Union) and they have both dragged it out for several months before deciding they wouldn't do the loan for what I perceived to be fairly silly reasons(Management didn't like that the tenant had only been in for 1 year, Management didn't like that the structure used to be a residence, management didn't like that 3 years ago I took a loss in a completely unrelated business etc.)I am hoping that someone out there has had some success purchasing or refinancing commercial property like this in AZ and can put me in touch with someone who actually completes deals like this.

After that we had a few evictions with drama, spent more money fixing damaged things that shouldn't of had to, belongings left behind, break ins, loss of rent etc etc.It definitely stopped me from buying other properties, because this one was a suck of time and money, that I believe was a mistake.

He is a retired master plumber with GC experience; I have a full time job and experience with buy and hold real-estate and  access to  capital.

Check out episode 111 of The Old Capital podcast.

Hopefully you don't run across any losing flips...but if you do; you should look into offsetting it with a flip with a gain so you dont lose out on that loss.