@Matt Moore I'm definitely not a wood expert, so I'm sure someone on here can figure this out easily.

Best to consult a mortgage broker on source of funds requirements for FHA as I am not an expert there.

Unfortunately, my husband and I are not foundation experts and it’s a little more complex then what I described.

He is an expert on the matter.

Or for accessing prior to 59.5, any of the assets you pay taxes on during the conversion, you'd then be able to access after 5 years.I'm not a Solo 401(K) expert, but maybe if you did receive a refi on a property owned outright and had additional funds that were required to stay within the account, this may be a way to get them out and have full access without penalty in 5 years. 

I’m no expert but in my mind It’s easier to do a land contract and sell it with a good down payment with 8% interest for 10-15 years .

Experts estimate that around a third of all American adults have a credit score below 601 (https://www.foxbusiness.com/features/how-many-americans-have-bad-credit) and so are considered a poor or bad risk.

@Michael Fradette This is a state-specific landlord-tenant question...won't do much good to listen to any responses here that are not local experts...I know everyone likes to help.

Thanks for you expert advice.Manuela

Dude,you ask for help from the experts.In fact you ask experts BECAUSE your method is not working.