Given I could've rolled these small funds into an IRA, I just felt a little more comfortable to have this cushion in the bank at my disposal.My current job though I've opted to stay with their company match @ 4% for the time being - free money imo!

However, I would like for my IRA to purchase the property instead.

The banks I found that do these always try to force me to invest via my IRA, which I don't want to do.Where are these special lenders?

For 5-10 it is 6 months subject/6 months each additional financed property.Also - 720 mid FICO, 70-75% LTV depending on units and cash out.Liquid reserves can also include semi-liquid reserves like 401K, IRA, CDs, whole life ins policies, etc.

Though it's hard to deny the fact that Roth Ira's are 100% tax free after 69.5.

If I were to use the IRA to help me buy the house I want to buy I will create a huge taxation problem for myself.What additional security does he need?

This might be a great play for a friend who has some money sitting in an IRA.

I like the IRA module.

I assume it's not a 401K since you're a realtor, so if it's an IRA, have you ever considered converting it to a Self-Directed IRA (SDIRA) and using those funds for the purchase of this and/or future properties (depending on how much money you have in there)?

With IRA Money, needs custodian, prohibited transactions adhered to.b.