You mentioned $25,000, but you’ll need to spread that over multiple years unless you're using other strategies.Five-Year Rule: The converted amount will need to stay in the Roth for five years before you can withdraw it without penalty.

Concentrate the agony instead of spreading it around.

Instead of going all-in on one deal, consider using financing to spread your funds across multiple properties to scale faster.

I would narrow your search to who is the most reputable, hungriest, and priced well for the work performed (not the cheapest). 

There's a really strong investor community which tends to be a great way to spread the word about existing Airbnbs coming for sale. 

Most of the time you can look on FF and see what is available and also what isn't available until X date and that helps narrow it down.

You're in a tough spot, but here’s what you can do:IRS Payment Plan: Set up a payment plan with the IRS to spread out the $200K tax bill.

This is all info they can use to help narrow out the homes they know you wouldn’t want.If you have 4 kids you aren’t interested in a 1BR.just send them the pre-qualification letter and ask specifically what other info they want. 

It may make more sense to pay a bit more ($1-2k) if you're able to spread those costs over 6-12 months.

Devin my lending business has a very Narrow niche our specialty is the 200k under BRRR that all these BP members want for rentals in the mid west.. we put them into title and let them refi or flip..