If a Roth IRA, all rental income and capital gains are tax free.

Since FHA lends against the borrowers DTI, and is not an asset based loan product, how does a borrower, and beginner investor that has 50-100k w2 income, get a 300k-1.2M loan for a 2-4 unit multi family property?

I’m also looking into getting my real estate license this year to help as an extra source of income but also just to learn the ins and outs even more.

Interest income from lending is taxed at your ordinary income rate.

The tax benefits are also great.Where interest earned from lending personal money is subject to ordinary income tax rates, interest earned in a traditional SD 401k retirement plan is tax-deferred or tax-free through a Roth SD 401k plan.

Apparently I can’t count income from mobile home and income from storage units changes the type of loan and the property won’t cash flow with just the income from the single family.

This criteria would imply that this land is near the grid, flat, and underneath the sun.LandWatchSan Bernandino Desert Land 80 acres Price: $58.8k seller finance at 320/monthTaxes $120/year = 12/monthTotal Monthly Payments 332/monthWeb BrowsingRental income from Renewable sites roughly $750-500/acre annual (62-42 monthly)80 acres at $500 annual = 40,000 annual 3,333 monthlyTotal Monthly Income 3,333/monthTotal Monthly Payments 332/monthTotal Preliminary CashFlow 3,001/monthAnnualized ROI 63%The land posting does not mention a down payment so I assumed 30yr financing at 5.25% to get roughly $320.

We currently have some money saved up thats sitting in a bank account and waiting to be invested, but I am not sure whether or not to invest in an airbnb for more potential cash flow or a multifamily for a steadier income.

The rental income is the majority portion of my income which is where my problem is , my other work mostly consists of working for my grandfather in the Ag department. 

I am all for real estate investing and preparing our future so we can be financially stable from real estate and not have to rely on our W2 income to survive.I have been investing for four years now and have a few properties under my belt.