Part of that is because appreciation is not a guarantee and could change at any time, even to the point where your value is actually depreciating if the market turns in your area, or in the nation as a whole.When I'm working with clients and doing financial planning with them (I'm a CFP® by day), I will always suggest running the analysis out to age 100 because while people are living longer and longer, the chances of someone living to 100 are still relatively low.

I'm sure vegas will continue to grow without us in the long run, I'm just getting out while the getting is good. where next we are not sure yet.

Rest assured, it will not happen again.Lesson learned,  time to grow and move on.

Currently, I’m looking to network and learn more about the business in the hopes of growing my real estate portfolio, with a focus on single and small multifamily rental properties in Philadelphia and the ultimate goal of moving into commercial/mixed use real estate. 

Utilities are in, phase one of the roads, curbs, gutters and water retention has been completed as well.I have received approval from the municipality to build the project as duplexes that will optimize cash flow and raise the number of finished units to approximately 300.I owe 1.25M and need 1.05M to finish the roads, curbs, gutters, and water retention.The first lien(1.25M) is overdue and was intended only as a bridge.The finished value of the subdivision would be 3.4M -4.5M as finished lots, depending on the comparables the appraiser uses.I have also found a lender that will lend to take the first out, but his points are high, it's not hard to get very expensive in points on a loan size like this.I am outside the Phoenix and Tucson markets in a smaller but rapidly growing area.

Do I need this money to live on or grow my business?????

No aging absentee landlord answering to the name of Jimmy having the tranquility of his nap in the Greek islands disturbed to authorize paying the property manager, the plumber, and the county inspector their respective pounds of flesh for the repair.I do it for lousy tenants and for good tenants.

I plan on building a sizable real estate portfolio and grow my network along the way.I am eager to learn from others as well as give my knowledge and expertise.

The only reason to do that would be if you feel that the IRA would grow more effectively in real estate investments you choose than in the current investments.Because your husband is of retirement age, he can choose to take distributions from the IRA. 

However, you may go through some growing pains once you have a vacancy and have to find a new tenant.