If you pursue this partnering with your IRA understand that at a minimum: any loans need to be non recourse. 

Advance non-refundable fees are NOT the norm in RE..and only "special" unlicensed brokers believe they are entitled to them.

Georgia REIA is a non profit with a good mix of investors and SouthAtlantaREIA is the young one with a lot of energy.

FHA is a government subsidized loan, so its not just the bank that is mandating you, its the US government as well.

My jobs are more like $500 to $5,000....and the public projects (city/state) and large commercial and new developments have work worth many times that amount.. 

I save 12% every paycheck and the government matches me 5%.”2.Other than your company savings plan, do you have any savings plans earmarked for retirement such as a Roth IRA, IRA, SEP IRA?

@John Wright Why not ask the Housing Court Judge yourself (on a non adversarial basis), he's speaking to us 11/28 MassRealEstate dot net

Or, if we deem necessary, if the tenant has caused problems in the past or has a history of late payments, we will then issue a non-renewal notification and begin to market the home for new applications which will then undergo our screening process. 

There is NO WAY a prospective tenant can sue me for discrimination, which will not happen in my apts as I put in my own tenants.In my apts Here in Brooklyn, I have the world of all kinds of minorities and status, each of them I know very well and will stand up for my Character in Court.The diversity in my buildings are incredible and represents just about everyone.Also, because I provide them with great service and speak with them on occasions, anyone coming to my building who claims discrimination will be proven to be false as I probably already have that protected class in my building.The only commonality is that all the tenants meet a Qualification criteria of Credit, Income and other non-discriminatory criteria.BUT, I know that's not LL.

So you need to actually spend it or find some non-cash deductions.