Raising money is all about marketing and sales (not real estate specific) so either hire marketing agency and read sales books, or hop on some LinkedIn courses on marketing and sales.Not sure the legal structure to use: talk to accountants and attorneys.Need deal flow: talk to brokers and go to a lot of networking events.Lending terms: start calling banks and loan brokers.From there, it is all risk mitigation. 

Retirement accounts are designed to be invested passively so when the IRS sees you running an active business in it, to level the playing field between retirement accounts and other business the retirement account incurs UBIT. 

@Dallas Smith, With some good running of the numbers by your accountant this can work. 

Can provide all the benefits from a cash flow and tax perspective.

My account manager has basically gone silent.

Real Estate Investment in Canada has, in recent years, been strained in terms of affordability, and other rules creating an additional barrier of entry; especially for foreign buyer.Although I am investor in Ontario and Quebec, I'm not a lawyer, nor an accountant, nor an immigration consultant, so make sure you consult with the appropriate expert for accurate information.

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

What about Debit Cards attached to a checking account?

[1]    You might want to think about opening 2 FDIC insured savings accounts that have no fees.

The stock account is tanking, you see no hope for it to return, and you want to preserve the remainder of the principal;3.