Use your funds to convert the 2-bedroom units into 3-bedrooms to boost rental income.

Most multi participant retirement plans are Federally exempt from creditor judgements; IRAs are Federally protected as a bankruptcy exemption up to $1,512,350; some states (Texas, Florida) extend this protection to the full amount held in the IRA or any other retirement account.5.

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

I got a commercial loan for 50% of the purchase price - $187,000 – at 9.875% and personally funded the rest.

You may qualify for a cash-out refinance, which could help you get funds for necessary repairs while locking in a better rate.

and investing in CDs or investing in a stock index fund or even using the money to buy a good cash flowing rental.

From there, I was able to keep rolling my funds back into projects and keep increasing the margins. 

One thing every investor needs to be aware of: No real estate fund or syndication is FDIC insured.You may come across phrases like "the money is in an FDIC insured account," which only means the funds are held in a bank account, not under someone's mattress.

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

That, to me, sounds like an attempt to get small monies to fund other things, but will not enhance the other parts of your business.