I just got finished building a new construction mid century modern home in Joshua Tree Friendly Hills area....DM me for questions about the property.

@Arthur LeaoThe Roth IRA likely does not factor into your strategy as you have described it.The Roth IRA is not sufficient to purchase a property outright or with a non-recourse loan.The Roth IRA cannot be combined with personal funds to create a deal, since it is not sufficient to do a deal on it's own.It sounds as if you want access to the income.While an IRA may invest in real property, doing so is a way to diversify the IRA savings, not a way to bring that IRA money into your real estate deals.

But I don't believe those risk apply to me because I plan be an owner occupant, I have a pretty good credit score (720)  and a combine income with my spouse of 70K (no children yet). 

Online marketing consists doing a combination of things so your site ranks higher in the search engines.

But as an investor, your huge advantage is a combination of lower housing price with growing market rents (due to more people who used to buy currently preferring to wait out the market).

Therefore, both spouses can supercharge their retirement savings by contributing a combined amount of $118,000.If you are both owner-employees of the self-employed business sponsoring the solo 401k plan, both of you can participate in the same solo 401k plan. 

However, by changing investment income to ordinary income, on would now owe social security and Medicare tax, at the combined rate of 15.3% (both sides), less deduction from income of one half of the tax, so effective rate of 12 - 13 %.  

This is exciting because I've been thinking about the same thing but more for eco-friendly, modern dwellings for lower income families.

We have used a combination of niches: fix and flip, fix while occupying, quick turn wholesale deals, sold on lease option, carried back second mortgages for cash flow, bought with owner financing, bought from MLS, used direct mail, door knocked pre-foreclosures, went to courthouse steps to see if the auctions were for us.Now we are working to...um...

I was told by someone that if we make combined more than $128k we need to put down a minimum of 15%?