I have no investment experience, only stock market and IRA’s, but I hope to learn a lot from professionals on this forum.

This could allow you to use the full amount for purchasing real estate without needing to sell your stocks outright and incurring significant tax implications.

These offer a predictable return in the 4.25% range right now with minimal interest rate risk.

Long story short, any owner-occupied property loan will require the borrower to show income that the lender can determine to be stable and predictable in their good-faith effort to confirm the ability to repay. 

In fact, given current boom in Stock market, one is way better off investing there.

While no one can predict what the market will do in the future since I have started purchasing long term rentals rents have only gone up which has allowed my cashflow to continue to grow. 

Encourages Larger Investments: By offering higher returns at higher tiers, you incentivize investors to allocate more capital to your projects.Builds Long-Term Relationships: Investors appreciate being rewarded for deeper commitments, which helps foster trust and repeat business.Scales with Your Business: This structure can align with the complexity or scale of your projects, ensuring that you have the resources you need while staying competitive in the market.Key Benefits to InvestorsSecurity: Deals can be secured by tangible assets, such as a deed of trust or promissory note, providing peace of mind.Flexibility: Payments can be structured to suit the investor’s needs—monthly, quarterly, or upon project completion.Attractive Returns: With returns starting at 15%, investors often see better yields than traditional investment vehicles, like stocks or mutual funds.How We’ve Implemented ThisThis structure works particularly well for our large renovation or development projects where multiple investors may be involved.

OTM was more a round table discussion of current events, predictions, news etc as it related to real estate, where the hosts also provide some great personal stories that relate to the topics discussed. 

@Nichole StohlerI find using a SDIRA to be a great tool for passive investments and growing your retirement with less stress than the stock market roller coaster. 

You need a repair partner who can get out immediately and has quick access to replacement parts (if not already in stock).