If you plan on eventually selling it too and retiring with your loot to tour the would or what ever then you need to use that equity.

With lower returns on retirement savings and increased life expectancy people will work longer.

They are not charging interest, basically they don't NEED the money back until they are ready to buy their retirement home (which is now probably happening next year) and I'm just not a fan of owing them money.

Creative Financing advice appreciated as I don't think a Conventional will work:Review of our situation:HELOC: 28KCar Loan: 21KCondo 1: Owe 215K, but Income of $571/monthCondo 2: Owe 410KIncome of Wife and I is about 100K/yearVisa: maybe 2KCurrently I have a 401K with $9k in it and my wife has a retirement account with $2k in it.

Are you also going to look to retirement accounts for funds?

After finishing the section on using retirement accounts to fund RE, I had only one major question:The income from buy-and-hold RE held in retirement accounts...I am assuming none could not be withdrawn from the account for income until traditional retirement age, correct (at least without some form of penalty or tax)?

There are lots of grouchy retired people who will report you to the city for anything less than perfect yard.  

My goal is to purchase the two best ones cash with a portion of my retirement money.

So another 10% on the $120k would bring me down to $81k to deposit into the Roth, not $93k.Losing a third of the fund to taxes and fees would really hurt.The question is... will $120k give me (at least) the same after tax income in retirement as $80k would without paying income tax.

I've also learned about using a Solo 401K to fund these purchases and I have a couple of questions about how that works.My situation is this: I'm retired and have my nest-egg in a traditional IRA.