@Mary Ann CaseyYou could put it all under 1 Umbrella Policy, but I think you would be violating the IRA rules with commingling your personal finances with your IRA...but I am no IRA expert.The maximum # of Umbrella policies would be 2.  1 covering all of the assets in the IRA Second going over your personal home and auto, along with all of the rentals.

@Ken Dillard You will obviously get better terms if the bank has more assets to go after if you default.

@Akeem Wheatley The subject has been beat to death on BP.https://www.biggerpockets.com/forums/519/topics/24...It boils down to this...If you can put your money into an asset growing at 6-8% and you can get an immediate line of credit against that asset at 4.5% (prime), then anything you can do with that borrowed money that earns more than 4.5% will be adding value on top of the original asset.

@Stephen R.Why don’t you resyndicate the asset, or put tax credits back on it, pull out a developer fee and then cash flow. 

In short, here is the way it would work for you:  The line of credit would be about 5X your current liquid assets. 

@James Wiltz You can try assets based lending. 

I don't want to liquidate my assets for a down payment if it's not even possible. 

I would simply knock out the $80k and have a great passive asset.

I hope that my understanding of accounting and taxes will be a helpful asset in building my experience in real estate.

This situation makes me think how so many people believed the lie the US govt told people that their home is their biggest asset Well ah yes if you want to sell and live in a lower priced house.