I'm neither Latino nor American so I'm not sure I can be very helpful with Latino investing in the US.

For me I invest my SDIRA money in debt investments which typically are ordinary income when using w2 income and use my hard earned cash to buy properties. 

Securities and Investment Advisory Services offered through DFPG Investments, LLC.[1] Multnomah County Executive Rule No. 388, March 11, 2020[2]Marcus & Millichap, 2020 Multifamily North American Investment Forecast

Traditional IRA withdrawals are taxed as ordinary income, with a 10% penalty if under 59½, potentially pushing you into a higher tax bracket.

The city serves as the headquarters of several well known American companies including: Cerner Corporation (Oracle), T-mobile (Sprint), AT&T, BNSF Railway, GEICO, Garmin, Honeywell, and Hallmark.

THere is a loan I have seen folks using in the past... not sure if it is still available but it is the MACU90 loan with mountain american credit union and it is a 10% down investment loan.

Commercial appraisals are expensive, $5,000 isn't out of the ordinary.

In addition, in the African American Community, this is like the first or second generation where people can pass down anything.

It's really, really looking more and more like an episode of American Greed. 

I am an American-born Portuguese descendent who has recently relocated to Portugal in January of this year.