It's not your garden-variety IRA.

If you were to make a list: cash, hard money, 30 year loan, commercial financing, having partners ( you find the deal and they put up the money), IRA/401k Self Directed Investing and Seller Finance.There is always a lot of talk about how to invest with no money. 

I will layout some information below and I am all ears to advice from there.Current savings: $12,500 (with the capability to pull funds from an IRA if need be)Currently working with a realtor I've worked with before in my rental market who is also an active investorI have the proper steps completed for a DSCR loan from a company found right here at BP and the process was smooth. 

Beginner in REI and made bad mistake with " self directing " an IRA : now owe IRS big $$$so I need some assistance going forward 

Consider attending real estate investment seminars or workshops to learn more about the flipping process and financing options.Creative Financing and Hard Money Lending: Creative financing techniques such as seller financing, private lending, or using a self-directed IRA can help you acquire properties with minimal cash outlay.

SEP IRA wasn't deducted, Real Estate Professional status was not applied, and Cost Segregation wasn't consider for the year 2022. 

Based on what Nathan Gesners relative is selling their 23 acres for  1 mil an acre we have about 100 to 120 million dollar prop once brought in. we have been approached by the big boys we got an offer last year of 20 mil and turned it down LOL  .. my partners are all younger than me and bought their options in their Roth IRAs  its a pretty cool long term play with some risk of course.. but oh such upside for them..

“This highlights the importance of regular tax-loss harvesting in your after-tax nonretirement investment accounts throughout the year.”Contribution to a Traditional IRAAnother option would be to contribute to a traditional IRA to reduce taxable income, subject to contribution limits and deductibility phaseouts, says McGuff.

Why would you borrow funds and just not use the Roth IRA to invest?

It just means I dont use conventional mortgages, I have found other ways to deepen my ability to buy.Owner finance, sub-to, partners, JV, syndication, hard money, private money, friends and some family IRA money are all ways to deepen your 'Ability to Buy'.