I made my post too complicated.  

The article is dumbing down a complicated idea (loan pricing) and it is not really doing a good job.  

But when you leave the government, you can roll a TSP or a 401K into an IRA, which then can be converted to Roth if not already a Roth.The rules are complicated and make sure that you do everything by the book, or your IRA could be blown up and that is a specific target of interest for the IRS.

It'll vary by state, but the main things you need are a note outlining the terms and the security deed attaching his interest to the property.If you do go JV, it gets a little more complicated. 

The law gets more complicated with partial ownership and developments but you get the idea.

For now, I will be moving to partner with this investor to acquire this property or future properties to less complicate things.  

It is complicated....current owner owes City $2k if they sell before Nov.  

There are a couple complications for this strategy one is you might be limited to 100K since that is the limit for deductibility of cash-out refis. 

They said they would not issue us general liability/umbrella coverage unless they insured the SFR also.To complicate matters further, I would love to get an umbrella policy that would also cover us for our Christmas tree farm.  

but it's only as complicated as you make it.