Any suggestions for creative ways to come up with $20k versus using my own money?

Id be more than happy to buy something such as the example I posted for $120k and put a few thousand into it and resell for significantly less than it was worth and at least make some money on it versus passing it up altogether.

@Michael Curcio, the prohibited transactions are not different for ROTH versus traditional IRAs.

The time and effort to get 10 units versus 50 is probably similar and the profits just aren't there for 10 units.(4) Something else?

So I started discussing the numbers with him and as we worked through it I saw the light bulb turn on that it was actually one of his better investments as far as what he had invested in versus what he was getting out.

There is a huge price difference in listing prices versus where the multiplexes sell.

As such, my personal experience is that they are more willign to be on your side if you appear to be a fair-but-firm landlord versus a predatory landlord. 2.

There is a difference between pee stains and dirty walls, versus wear or discoloring due to age. 

The agent knows we will close and can wire all the money immediately.We decided to build a portfolio of out of state homes since we can own it free and clear in a relatively short period of time versus having a mortgage. 

This typically does totally make up for the difference in price versus rent but when you factor in your time the difference may be smaller.All it takes is one very destructive, bad tenant to significantly adversely affect your ROI.You would think from my answer that I am advising for nice units in nice neighborhoods but most of my units are in a working class area.