After accounting for social security and other investment income like IRA/Lifeinsurance/Stocks (of which was made possible because of real estate cash flow)  my mother would be classified as part of the1% and earns a corrsponding Passive income.  

Always open to new introductions and connections in the 1031 and self-directed IRA/401k world. 

Who’s Disqualifiedyouyour spouseyour parents and/or your adoptive parentsyour natural grandparentsyour natural children and/or your adopted childrenyour stepchildrenThe spouse of your natural childrenyour grandchildrenAny fiduciaryAny people providing services to your IRA

Another option would be to look at a self-directed IRA where you could use those funds to make the down payment directly from the IRA. 

But Norada was pushing their Promissory notes and touting the company as doing very well  in there webcast on 6/11/24 and 6/18/24, actively encouraging viewers to use their  IRA to invest.

ha ha true--- Loophole is just a more fun word to use and used by my CPA- I think it draws more attention than "IRA Rules" thats just too boring :)

We currently max out our Roth 401k, Roth IRA, and $2k per month into our vanguard taxable account.

I'd look into an IRA. 

A lot of forum members are experts in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, buy and hold investing, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.If you haven’t been to it already, the Bigger Pockets blog features links to their fantastic podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

If you wish to buy rentals using your retirement funds you simply need a self-directed IRA (or Checkbook IRA if you wish to have more control).