Those of us with jobs & ER sponsored plans, don't have a choice as WS is our only option until we leave said jobs. 

When you get into larger properties I have seen maybe 75 to 100 basis point spreads movement over the last 12 months.The article you posted is more general in nature.

One thing we've found, is that these foreclosed houses that have sat vacant for a while, continue to have larger than normal issues for the first 6 months or so after the original reno.

Your choice. 

I feel the Roth IRA may be a better choice. 

You ARE allowed to do that with a SDROTHIRA.In my case, most of my existing retirement saving, which is much larger than what I contribute due to income limitations, was ALREADY in a ROTH.

We have received funding from the Department of Housing and Urban Development for the Public Housing and Housing Choice Voucher programs in January and expect to receive payments in February.

The more you have the larger target you are and the more you have to prey upon, and the bigger chance of accidents and negligence etc.

They don't have to disclose flood zone here so you have to look it up individually, and some insurance companies have set up their own "surge" zones so either limits your choice of insurer or increases insurance costs in those areas.  

You could also sell off to a larger developer and make money on the sale of the land.