Keep in mind the "withholding" you mention for self-employment are actually quarterly estimated taxes.

Before I put this out there keep in mind I have already paid this woman over $1200 to vacate the home and incurred holding costs because I did not show the property during her last month because of her volitility.  

Keep in mind that a HELOC will have an adjustable rate. 

BP is a great place gain knowledge and bounce ideas off of other like minded individuals.

Keep in mind that the IRA will owe taxes, not you personally.

Never mind.

Somehow, in his smooth rat brain, he thought that was the secret to making money in real estate -- getting other people to do anything that looks like really hard work with uncertain outcomes for you.It all put me in mind of a well-known passage from one of Theodore Roosevelt's speeches:"It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better.

-Secrets of the Millionaire Mind

Would you mind sharing that snow removal contact?

I only need to make $20,000 (even if some of that is for my labor) but it needs to be a SOLID $20,000 - not just if everything goes perfect.Keep in mind that you may need to price it a little below market to get rid of it quickly.