I would also add with respect to Self-Directed account, Roth IRA/Solo 401k, with Roth Component.

Megan, Not sure if I can help you exactly, but a few items that might help: 1) As you are out having conversations with potential private money lenders, you can start the conversation about "Did you know you can use IRA, or old employer 401k funds to make private money loans, secured by real estate?"

Examples of liquid assets that can be used for a contingency fund include:Cash in a bank or savings accountStock or bond investmentsCash value of an insurance depositMoney in a 401K, IRA, or other retirement savings accountCertificates of depositLet’s say your monthly payment for a mortgage is $1,500.

This would be a ten year initial commitment of my IRA converted Roth IRA dollars.  

Getting started as young as you are, with savings and already contributing to a Roth IRA!

Alternatively, you can convert your IRA into a "Self-Directed " IRA and buy investment real estate inside your SD IRA.

Here are some important facts with respect to borrowing against the 401k: 1) It must be a 401k, once you rollover your funds to an IRA, you don't have that capability. 2) You can only borrow up to 50% not to exceed $50,000. 3) You must make at least quarterly payments, with an interest rate set usually at prime + 1%.

They have suggested to masterclass members to use their IRA to pay for their the mentorship cost.

If employer doesnt match, might as well do a standard ira if you qualify.

You need to a ROTH IRA to withdraw money without paying tax. 5.