And because it’s a logistics hub (FedEx HQ, major distribution centers, and growing industries), rental demand stays strong.I’ve been in Memphis my whole life and have spent over two decades helping investors navigate this market and build profitable rental portfolios here.

You make a good point...but here's my two cents:When a seller asks if I have a license - I don't just tell them "yes".

I bought my first two rental houses with a combination of using a HELOC on my primary and using my retirement $.

For your own posts, there will be the word "edit" or "update" to the left of the date.You can edit for about an hour or two after your original post.  

It might take at least two years before we can make a substantial down payment on a second home.

I’m brainstorming ideas on how I can market myself to potential mentors in the STR game in order to gain experience.

The amount of downpayment requirement insures buyers having "skin in the game". 

Currently, I have a weekly check in with my current contractor, but alot of time it is a chasing game.

You already have a pretty solid portfolio, so adding another property and generating more cash flow might accelerate your wealth in a way that the Roth can’t match, especially if you’re planning to transition to real estate full-time soon.The long-term game for you seems to be building that cash flow and equity in real estate, and it sounds like taking the hit on the Roth 401(k) could be worth it for the immediate returns.

Even in high-cost markets, creative financing or partnering with experienced investors could help you get in the game.