For tax-free gains, consider a Roth SDIRA.This post does not create a CPA-Client relationship.

Remember, I'm not a CPA, so consult with a tax professional to get the full picture based on your situation.You’ve got the right mindset, and with time and strategy, you can replace your current income and hit your goals.

The last thing that comes to mind would be moving the funds to a rollover IRA and withdrawing them with help from your tax advisor or CPA to qualify for the first-time homebuyer exemption. 

@Daisy HawkinsCheck with a CPA regarding the tax savings.

*This post does not create a CPA-Client relationship.

A CPA or Attorney have operating agreements available as well, typically for 500$ to 1200$.

You should consult an attorney or CPA for your specific situation.ANONYMITY: When you create the LLC, your name is recorded on the documents and published on the Secretary of State's website for all to see.

Options include:Renovation Loan (FHA 203(k) or Fannie Mae HomeStyle) to cover both home purchase and ADU construction.HELOC or Cash-Out Refinance if you have equity in your home.Construction Loan specifically for building the ADU.This post does not create a CPA-Client relationship.

You should consult an attorney or CPA for your specific situation.ANONYMITY: When you create the LLC, your name is recorded on the documents and published on the Secretary of State's website for all to see.

Tax Benefits: Talk to your CPA as you will have tax benefits both as a primary homeowner and on the rental income.