Traveling for work non-stop, no time to do anything but work.

If so, then your self-directed IRA cannot be used in any way to participate in the purchase transaction as that would constitute self-dealing.If the IRA is purchasing the home purely as an IRA investment, then the loan must be non-recourse, meaning no personal guarantee from you. 

This mortgage-specific FICO algorithm doesn't treat late medical payments nearly as harshly as the algorithms used by credit karma, your discover card, car lenders, or basically any non-mortgage FICO algorithm. 

However, in NC if you want to get any sort of private money loan, you'll need to ensure: 1) The property is non-owner occupied and 2) It is owned by an LLC, or other entity.

If anyone would like to work on this with me to try to find potential 'good deals' in non 'war zone' areas or if anyone [@Ned Carey] could provide a few leads from this overflow list, I'm all ears and willing to do legwork to check out the properties, etc.

I can't say for sure (because I honestly don't know) but it seems like Wells Fargo has a special due diligence process for UT corps that are owned by non-UT residents. 

Yes, non-owner occupied properties are taxed at 6% of assessed value while owner occupied properties are taxed at 4% of assessed value. 

The first reason is for the public school district.

Would you let random members of the public go wandering through your home without being accompanied by someone in a position of responsibility?

I don't spend any time on processing an application until I have cash on the barrel head in the form of a non-refundable binder.