@Romane DaleyYou can't borrow from an IRA; the only way to access IRA funds for personal needs is to take a distribution, which would be taxable, and penalties on top for premature distributions. 

Everyone is going to give you their own "personal" preference.

I have several clients that 'self-manage' or have a full time private manager that has enabled them to offer their manager/cleaner (occasionally the same person or couple) double the hourly cleaning rate (compared to national PM companies) while reducing the booking/cleaning fees for tenants. 

It only says "some personal use" with no quantity specified. 

The fourth partner is my friend/business partner who is not bringing in equity but has handled all of the negotiations and will be the sole operator on the deal.

I need someone who can handle a variety of tasks and general repairs. 

No signing expensive leases that you personally guarantee typically. 

I personally use US Bank [Big stable bank with Zelle capabilities], Relay [Checking and Savings 3%] and then Quickbooks [high interest rate 5%].

They will allow your mortgage payment and any personal debt payments (credit cards, cars, etc) to reach about 45% of your monthly income.Programs vary all over the place so it's best to ask a mortgage broker which programs you qualify for.They like two years on the job, rent paid on time, no liens or judgments, pay stubs, tax returns and so on.FHA has a 3.5% down program plus closing costs.

My next step after posting this is to reach out to a few similar hosts for the style of property I am looking to invest in and see how well they do on a personal level.