But I'd happily remain dumb if I could undo some of the deals I've done.  

What does lenders expect a consumer to do with their remaining 60% of income?

Pay it when your mortgage is due :) If you ever pay extra pay as close to that paydate as possible as interest accrues based on balance remaining.

As we told you in your other thread, the first mortgage remains attached to the property.  

We've also send out a text message to 2 of the tenants (previous communications were made via SMS) to remind them and to let us know when we can get the remaining balance of rent.

Make sure you get legal advice on this transaction, it gets very treacherous when you are dealing with a former owner who will remain and occupy the same dwelling.

That said, here are a few tips that may help with your decision.You can typically cash out your investments at any time, and lock in the current value, even in an existing plan.You could rollover the existing plan to either a plain old IRA (E*trade, a bank, etc) or a self directed IRA while you have access and consider your options with non-traditional assets in a self directed plan in the future.Within a self directed IRA, you have the ability to invest in traditional assets, so money does not need to remain idle.The type of self directed plan you would pursue is the big question.  

Financed the remaining at 4.125%. 

Hello,I'm working on purchasing a commercial property, and I have a concern about the seller's situation.Suppose Person 'B' (for buyer) is working with 'S' (seller) to purchase a commercial property 'P1'.They agree on some price, which is higher than the remaining mortgage principal that is owed S' bank for P1.It turns out, however, that S has other properties (say P2) with the same bank, which haven't been getting payments, and are on the brink of foreclosure.S is now concerned that after the sale of P1 goes through, the bank will somehow be able to claim the extra, because of what is owed for P2.

The market in upstate is slowing down a bit for retail, but investor sentiment remains strong.