If you are interested in shorter term fixed rates that could save you money, you still want to stick with conventional loans and just pick a 5 or 7 year ARM. 

If it can wait, I probably would to avoid a high rate and any sort of ARM (adjustable rate mortgage).

All transactions involving your IRA must be 'arms length'. 

Typically they work more like an ARM. 

Now they are up in arms about affordable housing.  

You can get a 5/1 ARM and 7/1 ARM probably a bit lower.

We are planning to finance an investment property using a 7 yr ARM.  

It seems to me there are arms length transaction issues written all over this and I'm not sure would really get anything accomplished.Let me get this straight....House is owned in wife's revocable trustLLC is owned 50/50 by your revocable trust and your wife's revocable trustYou want to deed the house that's already owned 50% by the revocable trust to the LLC which already owns 50% of the house through the trust?

I've also called a contractor to inspect and he agreed with me.I've contacted the HOA board who also sent out their own contractor, he didn't explicitly say anything but I don't think anyone doubts its coming from the rain.

Direct mail, every door direct, bought lists targeted at people with aging kids, bought lists of people with ARMs, HELOCs, you name it.