Your support in the form of a loan would enable me to seize this opportunity and deliver the anticipated profits.Thank you for considering my loan request and for taking the time to review this proposal.

You enabled her by allowing this.

For $5k each unit will have luxury vinyl plank flooring, tile tub surrounds, new cabinets, granite tops, fresh paint, and going to add about $500 in “smart” fixture such as NEST and Alexa enable lights.

In my market, I have always sold local investors on the "buy one of my turnkey properties and I will walk you through the entire process from start to finish so that you are enabled to do it yourself next time if you so choose."

Seller financing enables you to do anything (or just about anything) to control a property.

In my case my W2 job makes up most of my income and having a California relatively high salary enables me to qualify for conventional mortgages to buy properties.

Selling your primary residence could enable you to obtain cash without incurring any tax liabilities, even though you may not be enthusiastic about doing so.

You can still have Alexa enabled devices if you want to setup routines for outside LV lights or light switches where the guests can still toggle a switch on and off but you could turn off lights and fans when no one is there.

@Alexander SmallI'd like to commend you on your big-picture mindset and vision...I wish I would have been thinking the way you are when I was 19 years old.From a lender perspective, there are a variety of considerations that immediately come to mind based on your situation:- Your current income may enable you to purchase a single-family home, but the price point on a multi-family here in San Antonio likely will push your DTI above the limits of qualifying. 

Since your 401k is unable to do this deal on it's own, by contributing your personal capital to the deal you would be "enabling" your 401k to perform a transaction it can't do otherwise, which can be considered a "prohibited transaction".