You can then go on to secure another FHA loan whilst still owning a property with an existing owner occupant FHA loan but there has to be a specific reason to request a new FHA product - like you have had to move for your job or you have an extra child and need another bedroom etc.A conventional loan, a product provided by a general mortgage market lender like a bank or a credit union etc. will provide you with a mortgage which, once set up can then be sold to Fannie Mae or Freddie Mac who pool them together and sell them as Mortgage Backed Securities ( MBS) and other products like CDOs but don't mention CDOs on this site - it gives us all the heebie-jeebies because CDOs contributed to the crash in 2007/8.These conventional loans can be offered with down payments as low as 3% but they require mortgage insurance (PMI) to be paid with the mortgage until you reach 20% equity in your property.

So you can refinance anything you want and contribute that cash to your LLC to be used by the LLC.When you sell and do a 1031 the taxpayer for the old property needs to be the same as the taxpayer for the new property. 

There are a lot of variations on this theme, but typically what happens is the seller contributes 5% to the "non-profit" who in turn uses 3.5% that money as a grant to the buyer for a down payment since FHA allows certain non-profits to donate toward a down payment.

The taxation on the Roth IRA considering contributions and earnings are still not clear on how to handle.

Max out your 401(k) or equivalent workplace plan with Roth (post-tax) contributions.

These are high income earners that want to lock up a house just in case, but don't want to be tied to a house...also, just in case. 

Have any of you investors, agents, landlords, flippers or wholesalers or other non-W2 earners applied for PUA benefits?

If we're putting more cash in, we'd like to be getting more cash out unless another factor can contribute disproportionally. 

You may not even have to contribute your income to the mortgage payment if the rent from the other unit covers the entire payment! 

For above the market rent, there are plenty of high income earners with above average credit quality.