I'd say first identify a strategy and establish your Core 4.The main challenge I observed is that individuals often lack a clear end goal or strategy, or they select a market that doesn't align with their chosen strategy.

But, I suggest you reach out to an independent agent who has experience with real estate investing and can align your coverage to be able to scale with your investment goals.  

Take classes that will align with that.

The absence of RMDs allows account balances to grow tax-deferred, providing flexibility in withdrawals and potential wealth preservation for heirs.In summary, for high-earning W-2 employees, the Backdoor Roth IRA is a strategic financial tool that opens doors to tax-efficient retirement savings, overcomes income limits, and aligns with strategic tax planning.

My aim is to build a portfolio of assets that not only offsets expenses but also aligns with my long-term vision of financial diversification and stability.Thank you in advance for your valuable advice!

It seems like the appreciation of the capital is your primary goal though so even if you cannot find much return it could align with your goals to be an active investor in real estate.

That's a lot of stars to align..

@Bianca Rodriguesi have done quite a few flix and flips and buy and holds with hard money. i work for a HML now and having done hard money deals myself and now being in the business, you really want to get your number right and align yourself with a contractor you trust. on the back end, you want to be rock solid on the ARV. happy to share more experiences.i have done quite a few flix and flips and buy and holds with hard money. i work for a HML now and having done hard money deals myself and now being in the business, you really want to get your number right and align yourself with a contractor you trust. on the back end, you want to be rock solid on the ARV. happy to share more experiences.

Does this niche align with the main goal ?

Here are some factors to help you make an informed decision:SDIRA vs. e-QRP:SDIRA (Self-Directed Individual Retirement Account):Allows for a broader range of investment options, including real estate.Provides more control over investment decisions.Requires custodial services, and there may be fees associated with the SDIRA provider.Strict rules and regulations to ensure compliance with IRS guidelines.e-QRP (Enhanced Qualified Retirement Plan):Similar to a 401(k) but with enhanced features for greater flexibility.Generally, more streamlined than SDIRA with fewer administrative requirements.Allows for real estate investments, business investments, and more.May offer more control and fewer restrictions compared to SDIRA.Financing Considerations:Both SDIRA and e-QRP can be used for financing, but the terms and conditions may differ.Check with your chosen custodian or plan administrator to understand the borrowing rules and any potential penalties.Tax Implications:Understand the tax implications of using retirement funds for real estate investments.Consult with a tax professional to ensure compliance and to minimize any adverse tax consequences.Market Conditions:Consider the current real estate market conditions in the location where you plan to buy the beach house.Evaluate potential risks and rewards, especially in the context of your investment horizon.Long-Term Strategy:Since you're planning to work for another five years and potentially sell the house later, ensure that your investment aligns with your long-term financial goals.Interest Rates and Economic Conditions:Monitor interest rates and economic conditions, as they can impact the timing and profitability of your real estate investment.Professional Advice:Consult with financial advisors, tax professionals, and legal experts to get personalized advice based on your specific financial situation and goals.Due Diligence:Perform thorough due diligence on the property, renovation costs, potential rental income, and local market trends.Remember that real estate investments, especially with retirement funds, require careful planning and adherence to regulations.