Not everyone has this option though. )Then as a 1099 I would do the max contribution in into a IRA (20% your income) -20k roughlynow you have 380kStocks: I would find companies that have strong fundamentals, high dividends and good PE ratios that I want to be invested in. 

The AC has needed to be recharged the last two summers, so I was thinking about just replacing the whole system (it's 16 years old) and want to take advantage of the IRA and Energize Delaware rebates/incentives/credits to make it as efficient as possible (even though I do not pay the utilities). 

Employment letter is marginally useful for those new to town or in a new job, as most companies have a 90 - 180 "probationary" period, so in those cases I do also request savings or IRA statements showing significant savings to show they are prepared.

@Matt Faircloth My dad has an IRA and is willing to loan me some money out of it. 

I had to borrow from my 401k, do a HELOC on my primary and cash out some from my Roth IRA. it got me in the game.

I can put down over 40% but as I understand it my personal credit cannot come into effect under a self directed IRA acquisition.

I invest with my self directed IRA and can't think if why you would need an attorney consult on that. 

I’ve also managed to max out my Roth IRA every year since I was 18 and would like to continue doing that.

Pensions, IRA, 401K, Social Security, disability - those all provide income (although IRA and 401K can also be depleted). 

My account has told me the same from an IRA viewpoint --- don't blur the line (legal wise or IRS wise).If it's business, operate it as such.