In the short term rental loop hole there is no loss limitation and that has the potential to be your best option for offsetting W-2 income.

Here are a few of the core team members to consider: - Deal sourcing: agents, wholesalers, etc.- Deal underwriting: JV partners, other BiggerPockets members, hard money lenders/underwriters. - Contractors- Capital providers: JV partners, private money lenders (PMLs), hard money lenders (HMLs)sFor additional context, are you going to be flipping and actually selling or are you going to be fixing and holding for rental income? 

Within real estate:  private lending, syndications, Delaware Statutory Trust (DST), Opportunity Zone (OZ) funds, As mentioned, there are public market options such as REITs and their preferred shares and/or bonds. 

Both have the Roth option.  401k has Roth built in, SDIRA is either pre-tax or Roth.   

I think refinancing would be a better option.

I do have the option of moving back in with my parents in the suburbs a year from now if I need to save up any more capital.

Quote from @William Coet: Hello,Trying to get a ballpark on what the current best terms and lenders are for 6 unit multi-family.Lowest origination fees, Lowest APR.Thanks If you go the Multifamily DSCR Loan route (instead of more traditional bank financing) rates probably anywhere from 8-10%, however, monthly debt service tempered by 30-year am and 10-year IO options 

There are a few different options/ methods (avoid the dry well in this case).

I know med students are always looking for apartments.Best options in lewisburg are probably student housing, scrape-and-build, new multifamily, or flips.Tim

I have been sourcing hard money loans in California as an investor through loan brokers for the last 30 years.