I agree with the others here that say you need to have some skin in the game, if you are going to live there yourself, get an FHA loan rather than owner financing, you can get a 3.5% down loan, personally I do not love these as they require  PMI which is an additional expense, and you also need  bring additional funds for closing at least for taxes, title, attorney and transfer fees . borrowing from anyone else for the down payment, to include a personal loan from the bank is not a good idea, those again will be higher int. rate.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

Then can decide for whatever reason not to fund the loan and keep that engagement fee.

In mid February, many tenants get caught up when they start getting their income tax refunds (depending how fast they file).Income tax refunds also give tenants the needed funds for first month of rent + security deposit, so they can move.Check out this graph, which was created from tens of thousands of data points:Regarding your property, suggest the following:1) Where specifically is it being advertised?

A hard money or institutional lender my be anywhere from 65%-100% LTV.

Financing seems to be tricky with IRA hence feel that its best to buy with self funding fully.

The property account has a Deposit subaccount so I can track/hold refundable funds separately.

You could use the sale of your primary and the sale of your investment property to fund the purchase of the land and the beginning of construction. 

The insurer does not participate in any of the insurance guarantee funds created by California law.

@Steven Nguyen            Your first step is to liquidate some of your Crypto so you have liquid funds to contribute to the deal.