Although you make too much to contribute directly to a Roth, you can still contribute to a Traditional or SEP IRA and then convert should your account need more liquidity.  

Quote from @Christopher Cole: Thanks so much for the information one last question is there a Appraisal done when doing a wraparound mortgage and if so does the buyer pay for it**************************An Appraisal is not required in a wrap, since there is no traditional Lender involved.

I do agree with a lot of the points that they make when they call it a "scam," but I am a traditional investor first and foremost.

I completed an extensive rehab my primary house last year, as well as rehabbing all 7 units on my other properties, so I have the experience it takes for this flip, just not the timeline for a traditional mortgage if I'd like to put in an offer.  

Could you do traditional financing instead if it meant securing the deal?  

If you can qualify, I highly encourage to pursue it.If you go through traditional financing, my understanding is that lenders will disqualify you for a mortgage if you’re going to use credit cards to use as a down payment.

My credit wasn't the best at that time, so I used an awesome mortgage broker, they found me a non traditional lender.

There are many in CFRI who can help you learn to fund them using less traditional methods as well. 

Combining how you're traditionally paid as an agent with something more similar to how an attorney is paid really allows for a mutually beneficial arraignment.

In terms of house hacking, I would go the traditional mortgage route, FHA, Conv or VA (military).