I am not sure about 403(b) but 401(k) and 457(b) have the option to let you borrow money out of your account up to $50k or half of your vested account (which ever is less).You usually have a 5 years repayment plan (or sometime 10 years for some very narrow loan purposes).If a loan is offered by your custodian, usually you can get a check in a few days and they may charge a small administrative fee.The interest rate is usually a little bit above prime.The interest paid is going back to your retirement account.Now on the negative side:To get the loan out, you will have to sell some of your retirement asset to get liquidity.During the time of the loan, your retirement account will grow slower as there would be less money in it.If you separate from your employer you will have to repay the balance of the loan immediately.

@Phillip HendersonIt does not sound as if a self-directed Solo 401(k) would fit your situation at the current time.The Solo 401(k) is an employer sponsored retirement plan.  

It's stable, and it does not react quickly to change.Bank financing is extraordinarily cheap, and the US Government does not intend to raise rates anytime soon.

I was getting an additional line of credit to help with closing costs the seller is firm on not coming down on his hundred thousand dollar to walk away with he is retired and saying he will find someone else.

We always understood that we may have to be flexible.We have always lived way beneath our means, maxed out our retirement accounts, kept and lived in the house we bought in 1994. 

Those mortgages are mostly all paid off now, and it's a great retirement program.It should work for you, too.  

So I have finally decided it is time to dive in and try to set ourselves up so she can retire early.  

Thought she was no issues as she's retired, on social security, owned a mortgage free triplex where she lives rent free and lives off the rent  Turns out she also had a pile of cash, and invested with us, and her other children a total of six properties, mainly triplexes, her favorite type.

That being said, he is older and retirement age so I don’t know what he is thinking.

I'm a complete newbie in real estate investing, still trying to get to that first deal.My reasons for wanting to crush it in real estate is that I want to be able to give my wife and children the lifestyle we've all dreamed of, and make retirement a real possibility.My reasons for not having jumped in already is that I know my tendency to go straight for the elite level, not taking the time to build the infrastructure to support that level of success.