With traditional lenders it will be very difficult with that small of a spread.  

As a trusted property contact said to me, "It would not be logical for these [EU] countries to kill the golden goose that has traditionally brought them such great numbers of buyers and wealth" - Nick Marr from www.europeanproperty.comProperty prices have taken longer to recover from the 2007-08 crash in European destinations popular with British buyers than prices in the UK.

Taking a neighborhood that is traditionally sfh and converting a house to a multi.  

I've heard that some that have purchased investment properties in LLC's using hard/private money have not been able to refinance them through traditional banks.  

These are not HUD homes in the traditional sense and do not appear at Hudhomestore.com. 

What is more, if we are talking about one of the IRAs being a traditional IRA and other being a Roth IRA and the Roth IRA is the one that benefits the greatest do to the traditional IRA investment, it could make it even more problematic.

Some companies look at their cost to acquire a customer through traditional channels and determine that paying a sales staff of entrepreneurs is a much more cost effective way to gather customers. 

They are usually a little higher, i have gotten them at 4.25% and that was at the end of January. but some commercial loans are set different than a traditional loan, where the rate is locked for 5 years and then can go up, unless you refinance to a conventional mortgage at that time.

@Christian Scallayes, to refi into conventional we need 20% equity, not sure about all banks, maybe small community banks have their own rules?

Converting your term policy to some type of cash value would be poor financial choice, your premiums could easily increase 10-fold for the same coverage.You can use your Roth and Traditional IRA (and 401k) to setup and moved funds into self-directed IRA, which would give you the freedom to invest into any investment opportunity.