If the closing costs on the 7/1 or 10/1 are prohibitive, it might make sense to just go for a very low cost or no cost 30-year fixed.

We prohibit all forms of smoking in the house, including e-cigs/vaping/whatever.

If you are related, your lender must ensure this is not a prohibited transaction (i.e. no loans to linear ascending or descending relatives, etc.).“… and then transferring the funds from the SDIRA to my account?”

They only give the syndicator the ability to advertise but it prohibits them from including non accredited investors.

I've been thinking of investing in local real estate for a while, but the prices here are prohibitive and the numbers don't make any sense.

This is very relevant to new home sales as most new home contracts prohibit assignments.

This protects you from accidently commiting any prohibited transactions.

Basically, the IRA is only prohibited from investing in collectibles (artwork, antiques, stamps, etc.) and life insurance.The key is that all such investments are done at arm's length and there be no nexus between the IRA and you or other disqualified parties to the IRA.

Based on her comments and reactions when touring the property, I think she balked at the idea of the required documentation but also on the prohibitions on smoking and not using the garage as living quarters.

After the first 12 months, you can move out without any penalty and rent out the house as a short-term rental (assuming your local municipality doesn't prohibit this), mid-term, or long term.