Here's a breakdown of both the risks and opportunities:Risks to ConsiderHigher Interest Rates: Financing is more expensive now, which can compress cash flow and make some deals less appealing on paper.

It sounds like you've done a great job in investing in yourself and taking personal risks. 

Quote from @Timothy Frazier: Is it a bad idea to use a hard money loan as a downpayment for a turnkey property?

Best bet would be a “partnership” with a monied individual looking for a high risk/high return passive investment with you providing the “active” part.  

Is that amount worth risking at this time potentially having to pay from your primary residence?

And lastly, market risks and mismanaged funds can also create major headaches, especially for those involved in lending groups.

This is in RI so letting the heat out is not just a big cost but a risk.

If you’re just looking for money to fund deals and you’re thinking the source could be IRA money then it shouldn’t make too much a difference to you whether the investor uses their personal funds or IRA funds.

"What Is The Biggest Risk For 2025" And 13 Other Highlights From DB's 2025 Market Survey"The Deutche Bank 2025 global financial market survey had 471 responses from around the world, and was conducted between the 10th and 13th of December 2024.

They saved up money.