I have an annuity, Roth IRA, and a Roth TSP for myself but I have also started Roth IRA’s for my children ages 18,3, and almost 1.

I have 400K in a variable annuity earning around 4%.

Many of these are doing mortgage brokerage part time now, along with selling such other services as credit repair, annuities, gas and oil well participations and weight loss products.

The home insurance policies are more robust (especially for what you pay), you can get 30 year fixed loans due to the gov backing them up, etc. so it's nice to take advantage of all that as an investor.And then the other issue is that the more "triple net" the tenant is, the more that building behaves like a bond or annuity, as you're locked in with limited rate increases for a longer timeframe.

A few offers, no closing.My dilemma and need for mentoring and advice: I have $100,000 in cash to invest but now without a W-2 source, a job or any income besides the annuity mentioned above, even the Bank I've had a relationship with for years and have over a half million $ in deposits or investments with, won't even consider lending to me for even a home equity line of credit, much less to mortgage an investment property.

My pension plan was switched to a 4% annuity.

The beauty of RE vs MFs or annuities is you don't have to sell the golden geese to get the eggs.

I held my Life, Health and Variable Annuities license in the state of Florida.

The rent I collect after I pay off the mortgage is my retirement annuity. 

@Joe BakerGood question.Following are the similarities and differences between the solo 401k and the self-directed IRA.The Self-Directed IRA and Solo 401k Similarities Both were created by congress for individuals to save for retirement;Both may be invested in alternative investments such as real estate, precious metals tax liens, promissory notes, private company shares, and stocks and mutual funds, to name a few;Both allow for Roth contributions;Both are subject to prohibited transaction rules;Both are subject to federal taxes at time of distribution;Both allow for checkbook control for placing alternative investments;Both may be invested in annuities;Both are protected from creditors;Both allow for nondeductible contributions;Both are prohibited from investing in assets listed under I.R.C. 408(m); andThe Self-Directed IRA and Solo 401k DifferencesIn order to open a solo 401k, self-employment, whether on a part-time or full-time basis, is required;To open a self-directed IRA, self-employment income is not required;In order to gain IRA checkbook control over the self-directed IRA funds, a limited liability company (CHECKBOOK IRA LLC) must be utilized;The solo 401k allows for checkbook control from the onset;The solo 401k allows for personal loan known as a solo 401k loan;It is prohibited to borrow from your IRA;The Solo 401k may be invested in life insurance;The self-directed IRA may not be invested in life insurance;The solo 401k allow for high contribution amounts (for 2016; the solo 401k contribution limit is $53,000, whereas the self-directed IRA contribution limit is $5,500);The solo 401k business owner can serve as trustee of the solo 401k;The self-directed IRA participant/owner may not serve as trustee or custodian of her IRA; instead, a trust company or bank institution is required;When distributions commence from the solo 401k a mandatory 20% of federal taxes must be withheld from each distribution and submitted electronically to the IRS by the 15th of the month following the date of each distribution;Rollovers and/or transfers from IRAs or qualified plans (e.g., former employer 401k) to a solo 401k are not reported on Form 5498, but rather on Form 5500-EZ, but only if the air market value of the solo 401k exceeds $250K as of the end of the plan year (generally 12/31);When funds are rolled over or transferred from an IRA or 401k to a self-directed IRA, the amount deposited into the self-directed IRA is reported on Form 5498 by the receiving self-directed IRA custodian by May of the year following the rollover/transfer.Rollovers (provided the 60 day rollover window is satisfied) from an IRA to a Solo 401k or self-directed IRA are reported on lines 15a and 15b of Form 1040;Pre-tax IRA contributions on reported on line 32 of Form 1040;Pre-tax solo 401k contributions are reported on line 28 of Form 1040;Roth solo 401k funds are subject to RMDs;A Roth 401k may be transferred to a Roth IRA (Note that from a planning perspective, it may be advantageous to transfer Roth Solo 401k funds to a Roth IRA before turning age 70 ½ in order to escape the Roth RMD requirement applicable to Roth 401k contributions including Roth Solo 401k contributions and earnings.)