@Sean HollandThis would not be a recommended strategy for several reasons.The IRS could look at any such arrangement as effectively a means for you to indirectly access or benefit from your own funds.Similarly, though you are not married, if using your IRA to benefit your girlfriend and this enriches your shared household, then you are potentially benefiting yourself in that fashion as well.

I looked at data on datausa.io, which a fantastic website, and there are plenty reasons why a property in Leander would appreciate more than Round Rock.Round Rock vs Leander:- Population: 116,369 vs 40,338- Population growth: 3.19% vs 11.4%- Median Household Income: 76,295 vs 89,649- Median Household Income Growth: 2.98% vs 7.3%- Number of Employees: 60,906 vs 21,037- Number of Employees growth:  4.35% vs 16.7%- Poverty Rate:  8.2%  vs 4.24%- Leander is closer to Balcones Canyonlands National Wildlife RefugeWilliamson County (northern) vs Hays County (southern):Williamson County seems to have a higher income, but Hays County has a higher margin of error. 

I have worked to save up a few years of household expenses so I can focus on this full time.

At under 2x net, the resident has under $1,200/mo to live on...for utilities, car, gas, insurance, maintenance, tolls, groceries, medical, household items, clothing, electronics, social, etc. 

. Applicant's monthly household income must exceed three times the rent.

With only 3 renter households (and my own all-roomie household) it's not all about business -- it's about people. 

However, I've seen loans pulled at the last minute when the bank found out one of the borrowers had lost their job, or the couple went out and bought a household of furniture on credit before closing, things like that.

Median household incomes need to rise to support the increased rent.There are a lot of posts on BP about property class. 

- What is the total annual household income?

What do I need to know about renting to a family whose head of household is in the U.S. on a work visa from Mexico?