But My score hovers around 630-680 because I have a lot of new credit (not being used), student loans, a vehicle, a mortgage, several utilities in my name, etc.

You would not be pulling the funds out, your retirement account would own real estate (just like currently you can own stocks in your IRA, you also can own real estate in a retirement account, but must have correct vehicle to do so).

My problem is my credit is crap I cant even get a vehicle and i Need a new one bad mines on it last legs, I was wondering do private lendors lend money for personal use other than buying homes and what not?

My problem is my credit is crap I cant even get a vehicle and i Need a new one bad mines on it last legs, I was wondering do private lendors lend money for personal use other than buying homes and what not?

The list of reasons and incentives are both growing everyday to use DOS as a Mortgagee, not because of want, but because of legal mandates to do so both in the state and federal laws in order to protect their interests as well as the contracts and laws that revolve around the sale and delivery of mortgages or mortgage investment vehicles in the market such as RMBS.   

Buying a building with a huge old gas tank, lead, asbestos, chemicals, lead paint can cost a lot more than $200,000.  

If what you're saying is correct, then maybe I should be looking at a different investment vehicle and not real estate.

TLV-Thresh hold Limit value of building, D&O-Director & Officer coverages, Umbrella Liability coverages. are there any vehicles owned by HOA?

If you are driving, keep a vehicle log (I do that with my boat for clients) and record your mileage and gas. 

They have advised to move it into a tax deferred vehicle (corporate class) which would mitigate the capital gains.Again they told us to move it into the Fidelity Global Balanced Class Port Sr B (CAD).