One of my former neighbors in San Jose (of the Greatest Generation) retired in place using the long-term care coverage he had as a World War II veteran and retired worker of a company that offered such a plan as an employee perk.

@Daniel GibbonsYes, if you happen to qualify for the Solo 401(k) by being self-employed with no full time employees, it does have some advantages over the IRA. 

We use Subcontractors mostly have only a few year round employees.

It's a nasty process for the owners, but at least it keeps houses from sitting on a County's books until an unelected County employee decides it's time to do something decides to do something that might boost the neighborhood.I continue to reach out to the owners who are not paying taxes, but at some point the tax bill exceeds the value of the property, and once that happens, there is very little that a private investor can do.

One of our main issues is I have been a 1099 employee/ independant contractor.

Dave Foster: wow, thanks for the great response.

YOu will need to get your electricians license yourself and or have one as an employee.. same with plumbing. 

Kody Foster the mobile home was purchased pre 1976 which means it can not be considered by the lender, apparently at all.

You can also make it easier on yourself by giving more responsibility to your family or employees.

Showing that you (the payer) are not withholding any taxes and that they are not a full time employee of yours.