It's really tough to be able to just give you broad advice without knowing what areas of investing you are looking to venture into.

I will look into them a little deeper for a better understanding. 

Based upon my understanding of how the dreaded "black mold" called Stachybotrys develops and the patterns it forms on surfaces, the majority of the mold depicted does not appear to be Stachybotrys.

You might have to ask around or guess insurance costs, or you could call a insurance company and tell them you're just trying to get a basic idea for research (so they understand that you don't need a full-on quote).

Another thought...call the agent and find out WHY the DOM are so high...understand the reasons why this property hasn't sold before you go further.

I understand where you are coming from.

See the rules for yourself:https://www.irs.gov/retirement-plans/plan-particip...I understand that this is probably not what you want to hear and you will hear all kinds of answers on the internet, but please be aware of the risk having your IRA, your wife's IRA and your mother's IRA disqualified. 

I'm Michael and currently live in Indianapolis (South Broad Ripple). 

People need to understand that the allowance doesn’t necessarily equate to how much you spend.

The only way this would be possible, at least to my understanding, would be to put the duplex in an individual's name so we could refinance with a bank on a 30 year loan.A question for my fellow CPA's or other's who have done this: how could we make this work as far as taxes are concerned?