How would an owner financing loan look like if a home is for sale for $399,000?

I recommend finding a property that needs some updating, and not not using conventional mortgage- but rather a hard-money loan.

I was able to set and get the rent high enough at the AZ home to cover both the orginal mortgage and the equity loan.  

The year before informing me of this divorce he had begun to secretly take out several loans on our joint banking accounts and against 2 of the 3 paid off vehicles then didnt pay them.

Im looking at DSCR loans and possible other hard money ideas.

Often owners need these documents to be able to apply for a loan, a refinance or the like.

Your loan size will also effect the rate as a lot of the better non-qm financing have loan mins etc.  

If you did want to see what getting a loan looks like to have the ira buy real estate then you can talk with these lenders. https://www.biggerpockets.com/member-blogs/2810/50272-list-o... 

(this does not apply to FHA or VA loans) (4-14 days out)Step10: cleared to close!

You are not allowed to provide personal guarantee on a loan with IRA-owned property so the only financing that would be allowed is non-recourse.