I have a few properties, definitely not considered active/earned income at this time, but is there any way to funnel my cash flow into a Roth investment vehicle (other than Roth IRA, I'm already funding a backdoor Roth separately)?

Hypothetical situation:Say someone inherits an IRA - per RMD (Required Minimum Distribution) all of this money must be withdrawn from the account in ten years and is considered taxable AGI.In order to avoid a pretty large tax bill from the inherited IRA and W2 every year for ten years that person buys real estate property every year in order to offset tax depreciation.

Here’s an outline of my profile:$17,000 available in cash, with the ability to combine with my cousin or early withdraw from IRA— up to $84k$146k household income $80k student loan debt$21k credit card limitConnection with a group of retired folks who do HMLI am reading and researching via podcasts, books, the BP forum, and elsewhere.

Have an IRA or 401k?

I would like to be able to move funds from my 401k to my IRA. 

Does a 401k or IRA count toward PITI reserves for those loans?

I have my emergency fund, I've maxed out my Roth IRA for this year.

I have cash sitting in a tax deferred IRA account.  

I'm aware that I cannot, personally, do any of the work - I'd have to just buy the property in the name of the IRA's LLC, pay someone to do the work, have an agent list it, etc. 

I'm thinking about rolling a 401k into a Roth IRA to invest in multi-family.