QRP (Long term money) vs Liquidity

[Lane Kawaoka]

There are a couple caveats I found that make me reconsider a QRP:

When you have money in these accounts it sounds good that you are not taxed on gains but you are restricted from getting a Fannie Mae loan. Using the QRP oans get you the second tier financing options, for example, a Roth IRA can buy real estate on leverage, however, will need a non-recourse loan which is often a fraction high-interest rate and lower LTV. No Bueno!

QRPs like your 401Ks or IRA accounts is pretty much locked up until you are "old". There are some provisions to get the money out when you are 45 years old but you need to eat today.

I see a holistic strategy of blending your investment funding from 1) QRPs and you 2) regular liquidity.

How are you using the two in conjunction? I am age 32 so that play a lot to my question.