Finally on 5/14/2021 (day 348) the refi was closed and funded. 

Fully fund IRAs and 401Ks7.Work less ("I think I earned it" ... a few good men)

Will you be funding your own rehab or would you need to roll those funds into your initial loan?

We set a record for our Team, serving 82 families and funding over $32 million in loans this year.We ranked in the top 5% of loan officers/teams in the entire Nation and top 3% in the State of Oregon!!

We process, underwrite, close and fund the loan.  

That said there are some nuances and requirements to property implement interest tracing so ensure you talk to your tax professional ahead of time and keep the funds movement as clean as possible. 

Meanwhile, we were paying a crazy high interest rate to our private investor who had funded the purchase of all the homes.

Assuming that all goes well and the buyer’s good-faith offer is accepted by the seller, the earnest money funds go toward the down payment and closing costs.

I'm just beginning but am considering a bigger commitment in the next five years or so by accessing some or even all retirement funds to buy a building (I'm sure people have thoughts on whether or not that is a good idea!).

Why not joint venture with someone who has money, fix & flip itWhy not rent it out for at least the monthly carrying costs.Why not sell it on a lease option, get 10% cash up front to fund school?