All my tenants pay directly to my account using just my business email.

I am not sure if my job will offer an option for a self directed IRA maybe?

@Dustin VerleyI bought current receivables from manufacturing companies for a discount and was paid by their customers directly in 30, 60, 90 days depending on the terms agreed by the company and the customer. 

I currently reside in Gloucester City and If you are not familiar with this part of New Jersey, it is directly over the bridge from Philadelphia.

I think you would be wise to locate a well versed fannie mae direct lender and talk through the logistics of who is on title and how the title of your side gets transferred to avoid any seasoning on the refinance.  

The $651K I'm reading directly of the mortgage servicer's monthly statement. 

I am not sure how they structured it for their kids but I've sold properties to people from California using a self-directed IRA for their children.

Since the members in the LLC are husband and wife - you may be able to make an election to forgo the partnership return and report directly on individual return.2) Texas is one of the few states that has a tax return requirement for LLC's.

If you use an LLC, they can do the refinance immediately if you are direct to Fannie Mae. 

Also, he can actually call IRS and get his copy of 1098 directly (Wage and Income transcript) from IRS if absolutely needed, It is a very simple process.