@Brad Kanouse,I believe this is a duplicate of this post:https://www.biggerpockets.com/forums/311/topics/1210256-usin...But regardless, here is my answer:If you take a distribution from an IRA - it will be subject to taxes and penalties.You can convert your IRA into a "Self-directed IRA" and have the IRA buy the property, in this case you are not the owner, the IRA is.

If you can solve their problem, you can usually buy the house.When you are a new wholesaler, the best thing you can do is to get some reps calling and looking for another wholesaler in the area, before you put your own money down on it.

Buy a $15 blender at Walmart, and they'll try to sell you an extended warranty.

I also read forbearance negatively affects your ability to buy more property.  

Quote from @Robert Medina:  I’m trying to figure out how I can pay myself and buy another property. ...

I do know one of the people who works for me has a 2 year work permit (temporary) and she and her husband were able to buy a place in Alberta.BC and ON are very tenant friendly.

Don't buy in the hood.

Buy your Aunt out first 

We are targeting buying our first property this year, ideally a duplex/triplex/quadplex for a long term rental. 

This in turn can open up what homes you can buy since the numbers will make more sense when putting 3-5% down instead of 20%.