I have broken down 4 key benefits to a retirement account: 1) Compounding interest in the absence of taxation (particularly with a Roth IRA) 2) Ability to self-direct into alternative assets, like real estate, private real estate partnerships/syndications, crypto, gold & silver and other alternative investments. 3) Credit protection (see state specific laws), but generally inherent protections. 4) Upon death, if setup properly, probate avoidance 

Based on your numbers, and assuming you have a credit score high enough and have never filed for BK, you shouldn't have an issue getting approved for an HML to buy/rehab the property that I would estimate at about $370k-$375k (which includes 100% of the rehab costs).

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

Zillow has an easy application for them to fill out. it come back with a credit score and background info. 

As well as 3 credit cards which so far have not cooperated and synced with Quickbooks which takes some extra time each month.

Otherwise, if the numbers make sense and your credit is good, it should be easy to find a lender.

He's still trying to get you to put $300 on your credit card then they'll promise the kingdom of heaven.Ask them for the addresses of their last deals. 

I make sure I screen each potential tenant thoroughly (background and credit checks) and require references.

I'm broke as a joke but I have good credit how do I get started 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?