At this point it isn't legally your house so until it is I would figure out if your trying to save money in risk free accounts such as cd's and savings accounts or to invest in more risky but better returns such as Roth IRA's and mutual funds.

Specifically, I want to know how you have used your self-directed IRA or 401(k) or any other type of retirement plan to invest in real estate and how that is worked out for you.Have you invested in fix and flip properties?

If they have an IRA see if they're willing to take a regular monthly distribution and that can also be used towards their qualifying income.

They might want a priority equity stake, but if it gets you financed, it might be worth considering.A few more thoughts: somebody with self-directed IRA money they might lend, use equity on another property as collateral (if available) so you can buy the land free/clear?

@Bill@Bill Gulley undefinedMHO these books are not GURU bookshttp://www.amazon.com/Gary-Keller/e/B001IGQM4S/ref=dp_byline_cont_book_1http://www.amazon.com/IRA-Wealth-Revolutionary-Strategies-Investment/dp/0757000940/ref=sr_1_1?

The IRA would fork over the down payment.Option B: Same scenario but with hard money loan?

There are those who have IRA money in self directed funds solely for this purpose.

I have an tax deferred Inherited IRA with about 95k in it.

Pension is key and of course Self Directed IRA!!

IRAs, 401k accounts and other retirement options are valued at 60% from what I've been hearing recently.