There are investors that will do equity loans or commercial loans that are zero down. 

Sometimes it’s really tough to get any kind of loan including cash outs on houses that cheap and also tough to get a 30 year note if it’s in a llc or falls under a commercial loan .

Just to move the discussion along, I've checked a library close to me and relatively centrally located with easy access.

This is nice feature to be able to have access to your retirement funds tax-free and penalties free at any time (if you were to pull funds from the IRA you would be taxed and penalized if it was early distribution).

How can I wholesale the house if I don’t have access inside?

However, if you want access to the type of funding that allows for no/low cash to close you do need to learn how to recognize that type of deal, and so enrollment can be a great value.

You need a "COMMERCIAL" Liability Umbrella for that.An LLC is a business entity not a real person.

Get the book Commercial Mortgages 101.

The flip side of this coin is that you will not have access to this money until retired, and then you will be paying taxes on the money when taking it out. 

I seem to be running into a bit of a wall here. I am trying to find places that will lend money to new investors with no track record. I am able to put up 30%, but the banks (small, local ones), and even online lender...