Only other thing that comes to mind would be a lender may look at that money less favorably because they recognize that a brokerage account is liquid while in their mind they may think the Roth account is not because they have a basic balance sheet understanding retirement accounts and aren't trained on rules of Roth accounts, MBD etc. 

So even if you had a buy out agreement negotiated up front and execute that buy out agreement, the bank would still require him to be guarantor unless something drastic changed on your side financially.The best scenario here would be to purchase and rehab the property using a hard money lender or bridge lender.  

While the image of yours I found seem to show the main entry to the 2nd floor at ground level, the older the prospective tenant, the less interested they are in a non-ground floor unit. 2) Using another part of the property as storage could limit interest and I could see that as a turn off with folks once they find this out.FYI, the listing I found on realtor.com makes no mention of the tenant not having access the entire property or the basement being used as storage.

The time has come for me to start investing in real estate and before doing so i'm looking to build a strong and dedicated team of partners: agents, lenders, contractors and property managers mainly in the Cleveland area (but also open to markets within a 2-3 hr drive away) that already possess an excellent track record in their line of work and that value long term collaboration.

Each program is a little different so it just depends on your situation and income.They are quick and easy though once you get your certificate you can work with any Bank or Lender that is approved to use those DPA's.

There are aggressive lenders out there with lower fees for experienced flippers.  

If I can use a lender, how would that work? 

Talking with a real estate CPA and a good lenders can also give you perspective on your finances and how to reach your goals. 

Brandon Turner talked about it in his 2nd book, The book on real estate investing, he got a private money lender for one of his first deals from someone he went to church with.

Find a lender that works with a lot of investors in your market and have a conversation with him.