I think if you can write a solid letter of explanation stating that you are going to commute to Colorado from Washington for 4-5 months out of the year for your job (and why), that should be sufficient enough to run this as a primary residence. 

I hope you have verified that there will be sufficient equity and that you'll be able to qualify (either DSCR or Conv) for a takeout loan or cashout refi for the hard money.

While a detailed log is often sufficient, adding additional documentation can strengthen your record. 

But, something to add that you have to understand is that a 3-4 unit has to be meet the FHA self sufficiency test.

I need to ensure that the rent-to price ratio will sufficiently cash flow as I intend to hold at least 5-years before acquiring any other real estate.  

She may be getting alimony payments sufficient to allow her to qualify on her own.

Instead he/she claims that his/her invoice is sufficient.

Not sufficient for individuals' identification always, though.

You have the problem common to a lot of people getting started; wanting to invest but lacking sufficient capital.  

If you want to leave your IRA intact and avoid penalties or taxes, consider other options such as:HELOC (Home Equity Line of Credit): If you own property with sufficient equity, a HELOC can provide funds for a down payment without tapping into your IRA.Personal Loan: Depending on your credit, a personal loan may be an alternative.Seller Financing or Private Lending: Look into creative financing options for real estate investors, such as seller financing or private lenders, which can help with down payments without needing to use your IRA.