The IRA has to be treated as completely separate from you.But lets say you have $200k in a IRA.

But ...The first thing I observed was the replacement cost portion of the quote, was, IMO, less than what it will actually cost to demolish the remains of the existing structure, pay for any hazardous waste removal following a catastrophic loss, and actually pay to replace the property in the event of a total loss, even though I used the quote feature to increase the replacement cost value by 20% (the maximum it would allow).

They even integrated a D4D feature, so overall they have DealMachine beat. 

I believe the competitors are more expensive with unnecessary features.

This was not a complete rehab, we were keeping the main bath, moulding, and original dooors. 

Be skeptical of the developer's claims, as your property's value likely won't see substantial growth until the entire development is completed and sold, which could take several years.

As you can see, the net deliveries are expected to majorly decline in the coming years, most notably a 51.14% decline in net deliveries of apartment units from 2024 to the end of 2025.This is because the feasibility for developers to build new units declines sharply as interest rates rise this rapidly, and the end effect is not seen until the units that had already begun being built when interest rates were lower are completed a year or two later.

Quote from @Jack Cottrell: I'm a complete noob.

Completely understand.

The advantage with the bank was minimal closing costs, a good interest rate, and a draw system so I could get funding as I completed each rental unit.