@Jim JoplingTo learn more about the IRA prohibited transactions see the following. https://www.irs.gov/retirement-plans/plan-particip...

As a side note, one ofmy long range goals is to sell properties in my SOLO401K and SDIRA and pull those funds out in largish chunks (say to but a retirement home) that will cause high income for that year, and 'offset' that with new purchases outside of the Self Directed Accounts that I can use Cost Segregation on to have similar Passive Losses to offset that income coming out of the retirement accounts.Thanks, Dan Dietz

Both are in essence retirement plans with the same tax-favored status as your current county plan (likely a 457b), but are configured to be able to allow for investments beyond the stock market such as real estate, private lending, etc.It sounds like you may have the necessary self-employment to qualify for a Solo 401(k), which is a nicer overall retirement plan and has higher contribution limits than an IRA would. 

I have not extensive research, well the agent did some kind of money magic presentation, he was asking me to save 1k a month for 20 years ( some goes to premium and some goes to saving ), saying coverage is 1.3 million, the numbers comes of my retirement age which i told him at 52. 

I chose s-corp for the retirement plans available, anonymity, ease of bookkeeping, tracking  mileage, etc.

With an HSA and other retirement-related investments, I'll have the assets if I need them.

See the following for more on this. https://www.irs.gov/retirement-plans/2017-ira-dedu...The above chart is for 2017 because the IRS has not yet published the 2018 chart. 

Because I'm in Houston which is like 45 minutes away I've had to hire a management company to handle it for me.When I retire next year and if I get a second unit, I may start managing it myself.

We want to make enough to be free to move back and forth between the two countries and eventually retire and live off of the passive income.I found the BP podcast about 10 days ago and I think I have listened to most of them.

Great Point William,It's actually only 2% of the $24.2 Trillion of retirement assets in the US that are "self directed" however, that does include traditional investment accounts that are self directed such as Charles Schwab, Merrill Edge, TD Ameritrade, etc.