You should work closely with a qualified professional who knows their way around SDIRA investing as there are numerous pitfalls that you need to be aware of.UBITFirst, as you and others mention, there is a UBIT problem with Wholesaling.

I have experience with ownership of rental units using the BRRRR/Value-add method and house-hacking.

Check out the map on our website where we’ve made this all easy to follow.We can also share numerous examples of properties & portfolios we’ve assisted investors with!

I'm exploring creative financing methods for my down payment.

Hi Josh,The best thing for you and your Fiancée to do in my opinion is the Brrrr method.

They can create a false sense of precision and can be risky if they’re applied too mechanically.What I’ve found works better is a consistent review process rather than a numeric score — looking at the same core categories every time (income stability, employment consistency, rental history patterns, documentation quality), and then documenting why something is solid, uncertain, or needs follow-up.Two applicants can land at the same ‘score’ but carry very different types of risk, and that nuance is usually what matters.

Unfortunately, we don't work in CT, so someone else on here might have a better method, but at least that is a start for you.

There are a lot of ways to make money in real estate, so focus on being intentional and don't get distracted by the numerous avenues; that is to say go deep, not wide.  

It's very illiquid, hard to get out of a bad deal, potential tenant issues, manage the property manager (I have heard numerous incompetent or dishonest PM stories from other California investors). 

I’m partnered with a powerhouse team that provides strategic funding solutions — including commercial and residential EMD funding, double closes, and down payment support for seller carryback structures (Morby Method).I’ve established connections with several commercial multi-property sellers and am focused on expanding my buyer network to lock in solid, win-win deals.