Am I prohibited for renting it out as much as I want, even if I am staying in the home part of the year? 

We looked at some properties needing septic in MA and thought it would be cost prohibitive. 

@Amit GuptaYou absolutely may not do that.IRS rules prohibit any direct or indirect transactions or provision of benefit between an IRA and a disqualified person. 

It is even worse during the pandemic, because the Federal government prohibited eviction, causing larger debt to accumulate.

That makes it tough on landlords...well at least that rule is prohibited now.   

So many HOAs prohibit it entirely.

I believe you cannot prohibit them due to disabilities being a protected class and would be discriminatory.  

You can then compare that to the company you mentioned and pick the best fit for you.The primary item to watch for would be prohibited transactions.

Only problem can be prohibitive cost that outweighs benefits. 

I defiantly see changes to higher than $10MM combined retirement balances (with painful RMD requirements for the $20MM + account owner), the "closing" of the "back door" Roth (Sec 138311), prohibition of IRA account holder "qualifying" the IRA for accredited investments.