Often, I am not able to keep all of my ira funds invested in active loans so I would like to be able to keep the money that is not invested in loans in a liquid "money market" type of fund on a temporary basis.

@Zack Whiting - You are in a top tier market for investment properties!

These are professionals with additional training and a stricter code of ethics.

I agree with the others here that say you need to have some skin in the game, if you are going to live there yourself, get an FHA loan rather than owner financing, you can get a 3.5% down loan, personally I do not love these as they require  PMI which is an additional expense, and you also need  bring additional funds for closing at least for taxes, title, attorney and transfer fees . borrowing from anyone else for the down payment, to include a personal loan from the bank is not a good idea, those again will be higher int. rate.

The Cville market is quite competitive.

The buyers sittings on tons of cash waiting for market to change ( yield buyers ).

For example,  if no one else bids on the property or it stays on the market longer than the bid window and they do not accept an offer?

What market are you in? 

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I pull permits for removal of load bearing walls, addition of bathrooms or bedrooms, addition of footage.