The only reason to do that would be if you feel that the IRA would grow more effectively in real estate investments you choose than in the current investments.Because your husband is of retirement age, he can choose to take distributions from the IRA. 

Am i wasting both of our time trying to connect to the wholesaler if the different is too high? 

There are numerous reasons I would not waste my time with this property.  

My third spreadsheet has the same X axis as my first spreadsheet and the Y axis is the amount needed to offset the mortgage based on whether I charge $800/$900/$1000 a room for rent, all the numbers are pulled from the county obviously:Electricity, gas, repairs and maintenance (10%), capex ($200), vacancy rate (10%), sewer rates, water rates, solid waste fee, lawn care, property management (10%).Am I missing anything?!? 

I don't waste time with people who aren't forthcoming and you shouldn't either.

(Florida Stats) I will say that there has been an effect to certain micro markets and neighborhoods that have more than average damage from Irma slowing down some transactions because repairs not being completed as fast as people would like and some condo associations/board of directors can't seem to get along well enough to get things fixed.

Some problems that can arise with homes like this especially in colder climates is the lack of winterization and the effect that the weather and time will have on the materials. 

Why don’t you run a credit report in her to asses her default risk before any more emotional decisions are made and more money wasted

I think it is a waste since an untold amount of people get this list at the same time and mail at the same time.

If you guys have any good strategies please feel free to post them thank you guysI’m also trying to come up with the best ARV number because I’m trying to get a hard money lender for the deals and I don’t want to waste anyone’s time.