The plan administrator won't let you do those prohibited transactions because they want to avoid losing their license. 

Typically they only want long term tenants, 7 months and longer, they may want a background check to make sure they weren't drug dealers in the past. 

There's lots of legal reasons you can reject someone - they're obnoxious, rude, pushy, a smoker, associate with drug dealers, etc.

people are still dying, losing their employment, getting divorced, having issues with drug addictions, so on and so forth.

There's much misconception regarding the roles of custodians and administrators, as well as the extent to which they should be relied on for advisory services.There are many excellent companies, but as the number of custodians/administrators has swelled it has become increasingly difficult to navigate the space.

Alcohol and drugs involved too of course.

If you make $100k in a Roth you spend $100k minus $150-$500 fee for the Ira administrator.  

You and your new wife should move into the in-law suite for a year or so and rent out the larger portion to save more money.As for other methods other methods to get started there are loan sharks, rob a bank, sell drugs.

Anyway she drug me along for 2 weeks.

I believe you can get an first-time homebuyer Federal Housing Administration loan with very little money as a down payment.