Try to see the big picture when getting started - maybe seeking private / hard money to get in to the deals where there is more profit potential could benefit you.

There are hardship withdrawal provisions and others that can be exercised if you meet the requirements. 3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets. 

I’m currently working on 58 unit BTR development project and seeking one or two private debt investors to help fund it.

I am attaching here a picture of the lease, of course keeping in private some information.

TIAErich your best bet would be to amortize it over thirty with a 5 year balloon. the issue with private lenders  vs. banks is private lenders use their money to lend and many times it may not keep up with inflation - so lending for that long does not make sense.

Hi James,You should be able to find a local bank or you could work with a private/hard money lender.

But this was for everything he owned, home builds, syndications, private businesses, medical centers, etc.  

If it was unforeseen medical debt, and you've made progress in straightening things out, you might find a private lender to work with you for an eye-wateringly high interest rate.

I'm looking for ways I can "protect" this private lender. 

STRs sound like too much work to me.Portfolio income = stock dividends, interest income (from banks, credit union etc), Master Limited Partnerships (Form K-1), Business Development Companies (Form 1099), bonds, interest earned from investing in a real estate debt fund, interest earned from being a private lender