Or should I grab plans from a local builder and work with their architect to modify the plans to more of my style?

Keep in mind it is usually not cheap or 100% effective.

So, if I withdraw $60K, about 75.24% of that should come from contributions (since that’s how my balance is structured).75.24% of $60K = $45,014 → Comes from contributions (no tax or penalty)22.38% of $60K = $13,428 → Comes from earnings (subject to taxes & penalty)Taxes & Penalty on the Earnings Portion ($13.4K)Federal Income Tax (24%) → $3,219Early Withdrawal Penalty (10%) → $1,342Total Tax & Penalty: $4,562Net Cash After Taxes and Penalty Fee: $55,437The DilemmaIf I leave the money in my Roth 401(k), continue contributing $525/month, and earn 8% annually, my balance could grow to:$229,865 in 10 years$606,905 in 20 yearsBut if I buy the property, it could generate $15.6K/year in pure cash flow, plus appreciation.

If you’re just breaking even, it may be worth holding unless you have better reinvestment options.On most of my properties I am break even or $50-100+/mo cash flow per a door.  

Research local economic trends, rental demand, and any recent or upcoming developments in the area.

im looking to buy rental properties in florida or texas with very good rental return using my sdira probably 2 properties and also pm to manage it.

Don’t forget being near a military flight oath or downwind of a pig farm.

You might want to join local real estate investment groups or attend meetups in the area.

@Kevin Duke Since Subject A’s $6M net worth is below the federal estate tax exemption ($13.61M in 2024) and Florida has no estate or inheritance tax, Subject B can inherit the property tax-free with a step-up in basis to the fair market value at the time of death, eliminating capital gains tax if sold immediately.To avoid probate, Subject A can use a Lady Bird Deed (Enhanced Life Estate Deed) or a Transfer on Death (TOD) Deed, which allows automatic transfer to Subject B while retaining full control during their lifetime.

Won't be using them again on the next flip that's for sure. are you working directly with them or is this a broker who acts as a correspondent lender?