I have about $2000 combined in the Roth IRA and 401k that I want to utilize.If I can use this “retirement money” to supplement the down payment, are there any taxes, fees, or legalities that I should be aware of, and can I even do this in general?

Now at the moment my partner and i are trying to find out how to afford a deal given we don't have more than 6K combined in savings and we live in Socal So logically we thought private money and looking farther into it it can cost alot more in terms of money to try and save your bank account than to actually just buy it using your bank account.

Interiors are comparatively modern though except for old doors and cabinets which I disclosed for lead paint as well.   

Our combined income annually is about $65k.

The combination of my debt to income ration and the feeling that the market is pretty high right now has me thinking about finishing the acquisition phase. 

The prior owner combined them with additional rooms between the two homes and made it a legal duplex. 

I certainly do not want to modernize it.

For example if you are a qualified first time homebuyer we provide subsidy/grants 15k towards downpayment/closing cost with combination of low downpayment options for multi (2-4) units.

I am interested in using a combination of creative financing for an owner occupied investment property.Theresa, My wife and I are considering a 4 plex (owner occupied) but property in southern even in the worst neighborhoods can be north of 500k and duplexes tend to be just under a million. 

Lucky that modern faucets don't need washers replaced much, if ever.