The right answer is to go to Cambodia get a 1 year business visa at immigration and visit Thailand for a few months, exit Thailand, spend a month in Cambodia, renter Thailand.
Leave your money in the IRA. Come to Thailand, then visit Chang mai, Pattaya, or Hua Hin and find an agent who will lend you the money and do all the legwork for less than 1k usd
Before buying, be sure to visit the area the condo is in at 10 pm, midnight and 4 am and see how noisy it is. Karaoke, roosters, dogs, airplane noise, etc can ruin your sleep every night in the wrong area