And while I do try to put in money into my company IRA account (they match 3%), should I really be putting the rest of the money into my retirement account?

Investing is a hassle, paper work, taxes, insurance, liabilities and the rest.

Let's say you have 10% to put down and can get bank financing on the rest and the owner carries a 10% 2nd trust deed.

Always options available...1) Blanket Commercial Mortgage w/partial release clause (Max LTVs 75% per property and property must produce a DSCR of at least 1.25 with most lenders up to 1.43 for the rest)2) Hard Money Cash Out (no limit on properties and not credit driven BUT should be used for short term and only if the property still cash flows with the higher rates - usually between 50-65%LTV)3) Fannie Mae offers "Limited Cash Out" for 5-10 Investment Properties with a 720FICOGet with a good Mortgage Broker OR develop a good relationship with your local bank provided they do "Portfolio Loans".Good Luck!

It cost me about $5k to properly finish the rest of it and it added zero additional value.

You can add radiators into the water loop but keep in mind if you add radiators to the system, yes those rooms will have additional heat, but it will be taking that heat from the rest of the system. 

Ned if you would, Please include the rest of the reference if quoting me as just that sentence alone pulls it out of context.

I really will have to come up with a creative solution if I cant remove the stain as the rest of the house is a few days from completion and the shower surround tile/glass door etc are already in place.

The bank carried the rest and they got a nice big cash payment for the rest up front.  

I have 20% to put down, but I don't know how to secure the rest of the financing thru a lender.