I’m focusing on diversification, and leveraging by using Roofstock, however the interest rate, when I finance so far, on $80k investment, 25% down, no point pay down, 740+ credit, is circa 5.375%.

@Kai Zhou it sounds like your goal isn’t necessarily for Financial Independence, but diversification.

The first thing is deal diversity or so-called "diversification" because your dollars are spread over more assets. 

However, in my opinion, it's more a good than a bad thing as it provides the buyer with currency and geographical diversification when he comes to his assets.

While diversification could be a positive, there are many additional risks. 

If I was in your position, I would find another market (for sake of diversification), find a syndicator you trust, pull some equity out (maybe just 10%), invest in a deal, and see what happens. $3.15 million is more than plenty to get your pick of syndication deals. 

J,I have thought about it but I like the diversification and flexibility of having multiple properties.

I find myself wondering why you are pushing for the small business diversification aspect on a real estate forum.  

I'm a strong believer in diversification, so while he may be interested in SFH, will that be the best approach to reach his financial goals?

Also, flipping transactions if executed regularly are considered a trade or business and subject an IRA to tax on Unrelated Business Taxable Income.The purpose of a self-directed IRA is diversification.