Why can't you offer her assistance while she trains you, so you both make money?

Probably going to be a check.Smart contractors are starting to understand that convenience matters to customers and being able to take different methods of payment can help them collect their money.

Perhaps you could consider hard money in addition to private money?

Lots of absolute nightmares come out of sub to when folks get into title but dont have the money to pay the loan off or the ability to refi.

Some will dangle out-of-market offers in a term sheet, then ask for substantial sums of money right away.

Often times you will pay much more in taxes than if you pulled the money out, paid the taxes and penalty and then started investing in real estate.For example, with the financing you mentioned, the IRA must pay taxes on the portion of the profit earned by financing. 

Best of luck to all you out there.How much did you pay for these 3 buildings initially and how many years did it take you to earn the money to pay for them?  

You should have ample reserves and make sure the house is not a money pit from the maintenance perspective. 

You want an investment that pays for itself, including mortgage, taxes, insurance, maintenance, and even some money set aside for a reserve to cover vacancies and capital expenditures.

Majority of banks, credit unions, and hard money lenders are cutting back.