Traditional contributions can be converted to Roth on years that you are okay with the taxes and then it grows tax-free for the rest of the time.

At this time I am not interested in becoming a traditional agent.

We have been looking to expand and buy some more traditional rental properties.  

it's for investment I email two private lender they don't do a loan less then 50k and thank you for your advice @Christian Bors

There are plenty of ways to get started without traditional bank financing.

So I'm wondering if the seller financing would be better than the traditional bank option?

@Christian Bors @David DachteraWhat is the best way to find off market properties?

If you are using hard money you need to budget for the points and fees as well as traditional third party closing fees.Repairs: The money it is going to take you to rehab the property plus an extra 10% of estimated repair costs to account for unexpected repairs.Holdings Costs: Here is where a lot of investors get tripped up.

It might have to come down to me educating them on the interest rates now and trying to convince them to get a traditional mortgage.Or, I just unfortunately have to wait until May/June and keep looking for new opportunities for a 1031.

Then you can use a HML to purchase the property then quickly refinance into a traditional mortgage.