The investor wants me to come up with a few options for how we can partner on a future deal (coliving home in the Cleveland market).

Sell as a rental property and 1031 into your future retirement home/current investment.2.

If you ever want to connect and have someone be a listening ear for you and what you want your future to look like, I'd love to do so! 

You could reduce future contributions to absorb the excess over time.Since you exceeded the Roth IRA income limit entirely, recharacterization up to the limit or withdrawal is your best bet.

I said to myself, wow, she gets it, there’s hope for our future generations.

Some tools give you a glimpse of predicted future performance.

This would provide liquid cash to reinvest or use for other financial goals.

Instead of moving into another single-family home, consider house hacking a duplex or triplex, this allows you to use low down payment loans (FHA, conventional) and offset your mortgage with rental income, accelerating your path to financial freedom.

This approach allows you to reduce living costs while recycling capital for future investments.Good luck!

Some "go with their gut" which is a bad way to measure someone's financial responsibility.