Probably a Solo 401(k) but a SEP IRA may make more sense in select fact patterns. 

Finding a cash partner or someone who has a self directed IRA or Solo 401k who would like to get involved would be your best bet. 

I can leverage funds from my Self Directed IRA on cash or financed deals.- George VigilVigil Investment Holdings, LLC

Hi everyone,Since it's year end (or the new year when you're reading this), I was thinking about contributing to my existing Roth IRA or at least moving some money from my traditional IRA to my Roth.

If you have the ability to fund the down payment from a different source initially (self directed IRA, savings, etc.) and then simply reimburse yourself from the HELOC, the lender has no need to be concerned.As for where to put your money, @Zach Rymarcsuk invests in that part of NC and might be able to give you insight there.

What's the 401k or IRA look like?

Max out 457 (total of 19,500) open up and max out a Roth IRA (total 5,500) And then whatever is left work on paying off mortgage debt?

@Jason StineYou can't accept or handle cash for your IRA.

@Scott AdamsAre you wanting to transfer the property to an alternate retirement plan such as an IRA or to yourself as a distribution. 

But again, compared to what else is on the market these days, it’s worth making an appointment to assess the condition.Your best bet for private funding will be friends and family, especially if they have old retirement accounts from a previous employer you could help them turn into self directed IRAs to loan you funds for the deal.