I understand annuities, bonds, bank accounts but bitcoin?

IRA funds can be used to make investments only; they can't be used to buy a residence.

CO MT WA AZ FLA TX are the markets I am funding in..

Let's say you accidentally use bleach on your nice white sheets and all the body oils get bonded to the fabric and are yellowing.

This could mean buying stocks, bonds, real estate, contributing to one’s 401k, hiring a financial advisor (I hope not), fine art, crypto, collectables, classic cars, or investing in someone else’s fund, to name most.I chose real estate (w/ some stocks and crypto too).

Quote from @Thomas McPherson: That’s a good point about the bond market and mortgage rates.

Side note, and not what you're asking...I'd make sure you get a termite bond on the house.

Problem is only "RE pros" get to do it.There are 3 income classifications in the US - Active, Portfolio, and PassiveActive income is income derived from your job, or normal trade or business.Portfolio income is derived from bank instruments - stocks, bonds, etc.Passive income is income earned from investments.Active losses can wipe out both passive and portfolio income, but it doesn't work the other way around.Portfolio (capital) losses are limited to $3,000 annually.Passive losses can only be offset by passive gains.Real estate rental income by its nature is deemed passive per IRC Sec 469One way to get around it is to become a pro - spend more than 750 hours or 1/2 your time in real estate.But most folks aren't real estate pros.

When you can get a similar if not better return on municipal bonds, after tax, it’s a problem.  

I’m aware of loss harvesting when it comes to stocks, bonds, etf’s, etc. but how can this occur with real estate?