Also in this NYC market you have to look for properties that you can solve problems on if you're looking to get a discount, extensive renovations, problematic tenants, DOB violations, etc... and for those type of properties you will need cash or access to it.

Not Looking to get into something with that extensive of Damage/Needed Repairs, UNLESS I guess I got it for an Insane Deal.

Is there any extension that works well with Podio?

Using an IRA as a loan extension tool is prohibited, that's IRA basics so there is no workaround no matter how you structure it.

Zeman uses extensive direct mail and phone calls and personal visits as well as monthly ads in The Journal for acquisitions.

I need to do something to a property where a portion of a property was extensively redone by the previous owner with a VERY different taste then mine, and that fits his lifestyle at the time. 

Then if the project sells in 10-months which is not uncommon in my market where permits can take way too long, you pay an addition 4 pts in extension fees.

But my lack of long term market understanding lead to over extension on my personal buy-and-hold properties. 2008 destroyed me as 95% of my tenants decided they no longer needed to pay... and some even decided that they were entitled to my mechanical systems and metal materials like plumbing and wiring... one even burned down a multi-family building.

Every one of my projects has been extensive remodels.

Make sure you do extensive Due Diligence but don't get "Paralysis Analysis", the over analyzing of something which causes enough fear to  stop you from taking action and making a move.