Selling it for $500K and combining that with your $100K could give you more options, like buying a single-family rental or a lake property that generates better cash flow.

If you did finance some of the purchase using a non-recourse loan, then you need to read up on UBTI/UDFI and there are some taxation benefits that the IRA can achieve since it now owes taxes in that scenario.

I can check in with my local bank, but I don't want to waste their time when I'm not yet serious about doing a loan with them.   

This was through the Veterans Affairs home loan program.

(Even went beyond the second page of Google.)I have an investor who wants to partner on a deal by providing a loan for the down payment.

Purchase price: $240,000 Cash invested: $60,000 I purchased this duplex in distressed condition using owner financing for $240K and secured a $60K hard money loan for renovations.

If you're purchasing a single family home you can use traditional financing like you probably did on your house or you can do a commercial loan.

The deal will leave the seller at your sons mercy for decades (the life of the loan).

If you do have large gains you’re allowed to combine them as mentioned above.

Another way to say is that what is the value of the property (today) compared to what is owed on the loan?