Wait a second...I re-read your post, you save $25K every 3 months?   

Hi Brett, Did you ever resolve this?

I have an idea but I'm not sure it'll work legally or if I'm missing some information.I work for the government and currently contribute 5% (tax deferred) into my Thrift Savings Plan (TSP) since my agency matches up to 5% (100% of first 3% then 50% of other 2%).

Most of the scenarios proposed to us by potential clients for such joint ventures would likely create a benefit between the parties and not pass scrutiny in an audit.There are many ways to safely and productively grow your IRA investing in non-traditional assets such as real estate in a standalone fashion,  There is no need to take unnecessary and foolish risks with your retirement savings.

Should I bite the bullet and pay down the house and get 100% cash flow in about 5 years with early payments or should I refiance to a 30 get instant cash flow and save up for a second home?

Being cash you can save a bunch of money on insurance and the companies won’t hassle you over stupid petty stuff as bad as if it was mortgaged

The savings both economically and in time from that commute will be worth breaking even or a short term loss by selling the house.Sorry to hear about your daughter, best of luck to you!

I have cash that I've saved but cannot use because I have not kept it in the bank so I am paying off my car with that and then taking a new loan out against to show history of the money and then I am taking a loan against my 401k to cover the rest.  

In case somebody runs across this old thread, I wanted to say how it was resolved.

He does have savings for the down payment but I fear that he will not be able to get financing.