I think this is a great plan but saving $5-6k a month.

Practical path: confirm rules with the custodian, price the deal with conservative leverage, get term sheets from lenders who specialize in nonrecourse to retirement accounts, and decide if lending your SD funds to an unrelated investor is cleaner for your first move.

That can be a savings of $25,000 on a $400,000 property.

It will save a lot of loss and heartache. 

Between your job and savings already, you should be able to house hack one, move out in a year, then house hack another.

We are ready to start our venture in real estate to secure our retirement.

I have cash reserves and money in retirement accounts, but I don’t want to dip too deeply into my reserves.

As a business owner, you can use entity structuring, expense deductions, hiring family, strategic retirement planning, and even HRAs to lower taxes while still benefiting from real estate strategies like depreciation and cost segregation.Business income has no Section 461 limitation to offset as much income as possible with RE.

You can invest in other asset classes, save until you’re actually ready, or partner with trusted family and friends to pool capital and buy real estate that has a legitimate chance of performing.

I had saved $25 from my allowance.