Quick accessible cash when I need it for low interest rate that can be used over and over.  

Just to move the discussion along, I've checked a library close to me and relatively centrally located with easy access.

This is nice feature to be able to have access to your retirement funds tax-free and penalties free at any time (if you were to pull funds from the IRA you would be taxed and penalized if it was early distribution).

I currently use Quickbooks online for the eBay part of my LLC and I worry that if I start putting in real estate transactions it's going to make the chart of accounts confusing.

However, when I'm sitting at around 90-95% occupancy via AirBNB and VRBO, I'm not particularly motivated to use my scant spare time to build the sort of robust website I'd need to easily process online bookings.  

How can I wholesale the house if I don’t have access inside?

However, if you want access to the type of funding that allows for no/low cash to close you do need to learn how to recognize that type of deal, and so enrollment can be a great value.

The flip side of this coin is that you will not have access to this money until retired, and then you will be paying taxes on the money when taking it out. 

I am able to put up 30%, but the banks (small, local ones), and even online lenders, want so many months-years experience, which I dont have.

My new home is a liability at the moment but will be what gives my PARTNER and me access to assets in the future.