I also realize I will be put into a higher tax bracket and be taxed as income. 

Here are some considerations for commercial real estate:Higher Income Potential: Commercial properties often generate higher rental income compared to residential properties, especially in prime locations.Longer Leases: Commercial leases tend to be longer (5-10 years or more), providing more stable cash flow and less frequent turnover.Tenant Diversity: Depending on the property type, you can diversify your tenant base, spreading risk across multiple businesses or corporations.Market Dynamics: Commercial real estate can be more sensitive to economic cycles and local market conditions, requiring a deeper understanding of business trends and tenant industries.Purchasing: Generally, commercial real estate will require 20% down.Choosing Between the Two:When deciding between commercial and residential real estate, consider these factors:Investment Goals: Are you looking for steady rental income, long-term appreciation, or both?

I need an accountability partner and a mentor……any ideas guys?

. - Income deficiency.

Research comparable rental properties in your area to determine the potential rental income.

Properties in this location may vary in age and upkeep, impacting maintenance costs and potential rental income.

Look for properties priced at least 20-30% below market value to account for renovation costs and profit margin.

He has a hefty profit-sharing account that he cannot touch until 2 years after he retires, so the sooner he retires, the sooner we should be able to use some of that for investing in real estate.My husband is very supportive of me in the real estate journey, but it is not really his thing.

Those losses do not go away, but they become suspended to be used to offset future passive income and sales/capital events like this in the future.

I believe retirement accounts are sheltered from creditors unless there's fraud/fraudulent conveyance, but not sure.