Not to mention (and YES< I'm pulling this card), that I have a very limited budget, have 2 young kids, and am 7 months pregnant dealing with this issue from the east coast while my husband works full time, me part time, while taking care of our children on a tight budget.  

Aside from the bulk discount pricing on material, savings on labor with dedicated professional, multi disciplined crews and the general passive nature of building safe investments and organic wealth is our rational and I am sure the rational of any established turn key provider.  

An IRA is an individual retirement arrangement, and quite permanent by nature. 

Typically hard money loans do not appear on your credit report (unless you are foreclosed on) since they're not in the business of reporting credit, but they will pull credit as part of their underwriting, so you will have a hard inquiry on your credit report.I've always used hard money for all of my deals. 

Having your precious savings close-by will assist him in pulling off such a transaction.

Thanks Dustin - I also have my main house paid in full, so I could pull cash out to buy more rentals.However, I'm not seeing good CAP rates in multi or single family properties in Phoenix right now (low supply and rents not keeping up with prices).  

It's tough pulling the trigger in this area. 

If I close on a property under an LLC and pay all cash but then want to finance a couple months later to pull money out.

They will need to do it by rolling into a self-directed IRA to avoid any tax consequences of pulling from their 401k. 

Often by focussing on the big picture that will pull you through the details of what to do next.