I'm not really sure how to get access to my account but I can figure that out when the time comes it is serviced through John Hancock.What I'm hoping for some suggestions on is where is the best place to transfer the money to start a new self-employed retirement account that I can contribute some of my REALTOR® commissions to and start saving.I'm most interested in steady returns which is why i'm leaning towards index funds.

The fact that it's so cheap and easy to get into real estate means you have thousands of competitors entering the market each day, and if all you are providing is MLS access and yard signs...No one cares. 

You can deny them access but that’s like asking for multiple citations when they come back, and they will, most likely with a court order.

Then do a HELOC to access the remaining available equity. 

There is still access from the street with the former garage space so that wouldn't be affected. 

I used a HELOC to tap into $100k of equity to help with down payments on rentals, but now I want access to more of the equity to continue buying deals, so I’m wanting to sell it once my tenants lease is done.

I am not an agent or broker so I don’t have access to MLS.

I think if you need access to the MLS to find deals, then you can basically do it for free via Zillow, et al.

This way, I haven't paid anything for access to the money until I want to use it.

Gives u ability to access funds at reasonable price, and only pay for what you use.