I'm looking for confirmation on whether the home needs to be your primary residence for the first home owner's $10,000 exemption to the 10% early withdrawal penalty?

On the foundation side, it sounds like you need a professional to take a look and confirm/deny your suspicions.All told, Michael, only you can decide how many issues are too many, but from the sounds of it, this has the potential to really go sideways on you quickly.

P.S. a master bathroom is not an inherent design flaw.

Then look up recorded document at the county to confirm properties that they have lent on in the last year.

She confirmed that she received them and that was that.I have heard it is normal to expect it to take 2months though.Also, keep in mind in the future when you want to increase the rent for a new lease, you have to inform at least 60 days in advance...I just emailed my Section 8 supervisor what I plan on increasing it to in June 2020 (over 60 days in advance). 

Is it as simple as writing a check directly into her self-directed IRA or must there be a designated, separate spousal IRA?

Don't try to get crazy with design or go against what's popular.

But I'm just a second mortgage guy confirming this for you. 

First, I asked the attorney for the form and confirmed the attorney was willing to review it.

Can anybody confirm or deny that is the case.