No, Form 5498 is "IRA Contribution Information" and would not apply here.

You can borrow from an IRA, and avoid taxes and penalties if you can cash-out refi and replace the money within 60 days.

Did you move 401k money into a self-directed IRA?  

There are plenty of folks out there making 1-3% in their IRA and you could offer them something between 5-10% and have them do the self-directed IRA option.Wholesale the deal.

Does anyone have experience using a self directed IRA in the Bay Area for flips or real estate investing?

(I use my IRA for that since the tax advantages there are limited.)  

I have a wealth of tools at my disposal as a Realtor, but I take data mined from those sources, personal experience, and contractor knowledge when available to run the BP calcs.I currently have an offer in process on a small 3/2 locally for a flip client that I at first didn't see to be a good flip, just waiting on signatures from the client's self directed IRA before submitting.

@Kevin R.An IRA can apply the BRRRR model and it can be a powerful strategy to grow your IRA savings.The key principle with the IRA is keeping all transactions at arm's length and exclusively for the benefit of the IRA.The IRA purchases the property.The IRA hires vendors to do the rehab. 

If you want more general advice, like should I do a Roth IRA, or how can I best structure my investments to limit taxes, then I would look for the fee-based fiduciary.

Because of your job, I am assuming you likely have an IRA.