Sometimes the requirement for down payment can be less on larger commercial deals.You may not personally refinance or pay off the IRA.In the future, once the IRA has built equity via appreciation of the property and paydown of the loan balance, there may be the opportunity for the IRA to refinance and pull some of that equity out to create more liquidity for the IRA.

While working in different occupations I've always felt the pull to explore real estate investing further. 

Maybe see if she can pull listings that expired without selling and those where the owner indicated a willingness to owner finance.

It sounds far and high enough from the ocean, but you never really know what kind of storm mother nature can cook up!

I would agree with @Casey Mericle that finding “deals” through a realtor is going to be tough because of their natural tendency to want to sell at retail.  

Jonathan, no offense to any of the other posters but their answers come from what would be considered “general in nature” since they are not local to your market and likely do not know the current market conditions of your area. 

HOWEVER you need to find a way to pull it back out.

The methods you've mentioned are ways to find wholesalers so naturally that's what you're getting.Building a buyers list wouldn't be done through those methods.

If the tenant doesn't pay you can still float the payment and live in the other side, but if they do you are pulling a nice little house hack and living on the cheap. 

Hey Hector,Have you considered reaching out to a realtor and have them pull this list for FREE.