If you want to leave your IRA intact and avoid penalties or taxes, consider other options such as:HELOC (Home Equity Line of Credit): If you own property with sufficient equity, a HELOC can provide funds for a down payment without tapping into your IRA.Personal Loan: Depending on your credit, a personal loan may be an alternative.Seller Financing or Private Lending: Look into creative financing options for real estate investors, such as seller financing or private lenders, which can help with down payments without needing to use your IRA.

I also manage rentals for some private clients.

I've known him for several years since we're in a private mastermind together.

And its not only monetary help I help them with all manner of transactional advice from Wrap to sub too to doing private money loans etc..

Its a good question and lots of resources here on BP to learn - generally going the "conventional" route with mortgage loans from private lenders that conform to GSE (Fannie Mae) standards is great for your first few, then many switch over to "DSCR Loans" when they start scaling towards property number 3,4,5 etcI recommend talking to Jeff Welgan at Bluprint home loans to talk to to learn about the conventional options https://bluprinthomeloans.com/jeff/Also feel free to check out these resources on "DSCR Loans" which don't use DTI at all and are really good for scaling:BP-Published DSCR Guide!

Once I had the property under contract approximately $50,000 below market value, I contacted A private money lender.

Anyone who replies "yes", expect a private message lol.

I would also consider "private money" from friends and family for your first deal as well - maybe offer 8-10% simple interest and see if anyone would be interested.

I can definitely help you find refinance solutions that fit your strategy, including options with shorter seasoning periods and up to 75% LTV cash-out refinances.I have relationships with dozens of private lenders who cater specifically to foreign investors, all of which offer flexible terms that could align with your goals.

12% APY for our Private Lender on this deal.100% passively.We borrowed the funds, we fixed the propertyWe sell it when it's beautified.