There are hardship withdrawal provisions and others that can be exercised if you meet the requirements. 3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets. 

You have no cash, high leverage and can't make payments - bad idea. 4) What's the plan to pay down the second mortgage/HELOC?

We are obviously planning to have an attorney draft our next lease so make sure it checks all the boxes but their lease doesn't end till May 2025.

I still plan on personally guaranteeing the loan to secure it. 

So if you plan on getting into a more active roll in real estate having cash available is very helpful.

Since these deals have not gone to plan for you so far, there should be a LOT you could learn from that experience.

I plan to live in one side and rent the other out for at least 2-5 years then will either get a property manager (preferred) or sell.

My background as a prior military member has instilled in me a sense of discipline, strategic planning, and a keen understanding of risk management.While I’m aware that financial contributions are often key in partnerships, I’m curious about what other skills and perspectives I can bring.

Finally, focus on high-demand neighborhoods and have a backup plan, like renting if the flip doesn't sell immediately.Let me know if you need financing guidance or further tips.Best,Drago

What are Flippers planning on doing in 2025 in ATX?