Investment Info:

Small multi-family (2-4 units) buy & hold investment.

Purchase price: $330,000

Cash invested: $50,000

Duplex buy and hold using saavy techniques.

What made you interest...

The Overlooked Cost of Form 990-T and UBITMany investors (and promoters) fail to recognize that an IRA investing in real estate can be subject to Unrelated Business Income Tax (UBIT) if it uses debt financing to acquire the property.

Your suggestion of a Vanguard money market account is a good option, but since SIPC coverage on brokerage accounts only protects against broker failure (not investment losses), the Vanguard Cash Plus Account with FDIC insurance up to $2.5M is a safer alternative.Other low-risk, high-liquidity options to consider:Treasury Bills (T-Bills) – Virtually risk-free, exempt from state tax, and currently yielding ~5%.

Quote from @Troy Smith: I’m ready to re t out my first property in Ohio.

I really don’t want to lose this buyer—what’s the best way to make this work?

Looked at QB and it doesn't;t handle multiple properties well.

It is higher than the T-12 numbers can really support, but still leave something for the buyer. 

Since this will be your primary, I would probably R/T refi the hard money into a Conventional loan and then get a heloc on the property afterward.

Quote from @Sherry T.: Wondering if losses from passive rental income (I.e. long distance property managed by third party) could offset capital gains from stocks? 

@Vilmor II T. if you plan to use the money to buy property in the next year look into a simple high yield savings account.