I'd wait this one out until rates lower and you can refi and learn from it to buy better the next time around. 

It’s flexible—you can invest in rentals, commercial properties, or syndications—but managing it requires careful attention to avoid prohibited transactions.In comparison, a SEP IRA offers tax-deferred growth, which might be better if you expect a lower tax rate in retirement, but it doesn’t avoid UDFI tax on leveraged properties or allow borrowing.Before investing, check if SDIRA Wealth aligns with your goals and review their track record.

ConsiderationsCrime Rates: Some parts of Albuquerque have historically struggled with higher crime rates.

. • Single unit properties get pro-rated.

Prices have increased (higher terms/rates) as the fed rate has gone up so you have seen people who could get 8 or 9% now in double digits.

Also, you could consider buying something with "hard money"; this comes at a higher interest rate, but you might be able to get into a property and either flip it or refinance it.

Piggybacking on what Michael Smythe wrote, ask what the PMC's turnover rate is and do not let them put your home in a newbie's portfolio.

Rates are high, usually in the high 8s or low 9s, and you may pay 2-4 points on the loan. 

The higher rates and no point options hopefully are temporary for you until you are able to show a 2 year history of 1099 income, refinance early in 2026 once you have completed your 2025 returns. 

Start by deepening your understanding of CRE fundamentals, including net operating income (NOI), cap rates, and lease structures like triple net (NNN).