However, if you're managing your investments with a bit more tact, you will put your bonds in the IRA and your higher growth investments in the Roth which would give you differing growth rates. 

Do you have significant reserves set aside in case you neeed major repairs or have lengthy vacancy?

The basics can be summed up as follows: borrow max available secured by the acquisitions fixed assets; sell the acquisitions receivables to a factor; mortgage any real property the acquisition owns; sell preferred stock and bonds in the acquisition vehicle to family, friends and associates; and obtain seller financing for the balance plus working capital from the seller.  

I did not want to make this super lengthy. 

There are also many more passive investments which would pay more than your current return (>= 4.4%), like real estate funds, syndications, mortgage lending, even treasury bonds are paying more right now.

The extra insurances we need to hold, bonds, etc.

Only cash mate hehe 😁I've always been of the opinion that the best way to get rich is to have lots of money 😂  US Treasury Bonds mateJust need enough to throw it there and go to sleep.Depends on how much is enough for someone lolSafest and most passive investment IMOEverything else will always require "That phone call"Thanks

I always trade bond in the background , so I am short and long term bond, I keep position for weeks or month.

Reading the SAFE Act carefully you'll see that there are two issues afloat, reserve requirements, bonds, accounting, examinations are all things banks screamed about when the first broker opened his door, banks were required to do all these things and brokers were not, so yes I'm sure they felt the playing field wasn't all that level.

To be honest, you could probably fix the violations over time...there aren't any fines for the violations and they usually can allow you a lengthy time to make the repairs.Either way I'd be happy to connect off line of the forums and talk through the violations to see how we might be able to help!