She has easily verified employment at a large university near by.

Or is it in a blighted and run down area where folks are leaving through natural attrition, employment or lack thereof, retirement, or other reasons. 

Poor job growth, and outside of government and universities, not many other employers.

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If you or the wife has a 401K, I believe that you can withdraw half of that, and you pay yourself back the interest, you should talk to your employer about any specif rules that they have for the loan.Are you getting a mortgage for the purchase?

Any buyer can walk in behind one of these frauds, make an honest offer, put down substantial consideration, and kick the unlicensed broker to the curb.From the statute:All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserve

While I don't know the Phoenix market very well, I've heard that employment trends have caused many investors to look into the MSA as a potential market to acquire in. 

You can also make annual IRA contributions or transfer former employer funds to the IRA.

Here is from FL statues 475.43"All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserve"I will welcome the day when all the frauds and game players are mostly out of business.

I'm currently employed and not handy at fixing stuff myself.Thanks much