I funded several dozen notes using my retirement funds and so hundreds of my clients.

So now I'm really getting ticked at agents that won't submit offers because "they" think it's too low and won't let the property owner decide if it's to low or not.Thanks,-Michael

Most deals purchased in 2022 were at absurdly low cap rates and highly inflated values. 

In turn, the lender willhave "no recourse" against the individual, the IRA funds, or the IRA's other assets.

A few years ago rates were at an all time low and there were was a lot of market activity.

Providing funds outside of a transaction that would effect the LTV given by an insured lender could lead to mortgage fraud, money laundering and wire fraud as funds are disbursed.

I'm thinking of selling to my tenant without paying off my existing low-interest mortgage.

If you are or become an accredited investor, you can make straight cash investments into funds, which are small portfolios of properties.

Sounds pretty low

Doing it this way allows you to ease your way in and costs you less up front - down payment for an owner-occupied property is much lower than an investment property, you may qualify for down payment assistance and can even use funds as a gift from a family member if that's an option.