Typically, a lender will request several months of all your banks accounts, (personal and corporate) and any Investment Accounts you have such as IRAs, stocks, Mutual Funds, etc. as well as W-2s and other income statements.

I have recently started to add to my retirement diversification with SFDs purchased through a self-directed IRA. 

I intend to use my IRA at 59 1/2 to nab some more.

Notes are an excellent option for the Self-Directed IRA.

Some were really a 4 unit with a conversion or grandfathered in for when a sale happens it goes back to a 4 unit.If that is the case you might be able to get 4 unit and under financing but would lose the 5th unit.Look into IRA lending.

Entities such as LLCs, corporations, trusts or self-directed IRAs are not eligible for the One Property Exception. 

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I could pay "all cash" if I can take out IRA $$ then get it back into my account within the 90 day window.  

They do this through self directed IRAs and cash.

Seems like a waste of time to me.Here is the real world answer (For REO - bhank owned properties): A POF is a bank statement, stock account statement, IRA statement, etc in your name or your entity's name with enough cash to close the transaction.