All future gains in the Roth IRA will grow tax free.Alternatively, if you are self-employed, you can consider transferring the traditional IRA to a solo 401k as the annual fees can be as little as $125.00 per year.

So, for now, we are having our broker give us the max amount we can afford via a conventional loan so we don't waste time on anything too expensive.My questions are:1) Even if we do secure a cheaper property via a conventional mortgage, employ the BRRRR strategy and refinance a year later, won't we run into this same issue again?

Any other strategies that I should consider employing? 

We use the self employed app from quick books and it’s $12 a month.

We also have strong financial services (banking and insurance) employers - Key Bank and Progressive Insurance are based here to name just 2.  

Adam, usually if you have a 401k at your current employer they restrict your access to the funds.

Though you say cash transactions, you'd never be able to place the money into an account.That being said, the IRS compares data to other agencies, just like employers are required to send W-2 information.

Especially a stable employer like Amazon. 

For every 2 dollars you earn (profit on your rental or employment income), the bank will lend you 1 dollar of payment (in the form of a loan).  

It sounds like the Lone Star project is on the rocks as of yesterday, but the area is still being gentrified and increasing in value, so it might still be a good place to employ your model.