With self directing somebody can make a traditional contribution (get the tax deduction), invest in a non-public asset like a private loan or real estate syndication, then convert the asset from traditional to Roth with a discounted valuation.

If you're willing to pay 525k with traditional financing, then you may be willing to pay 560k with 4% over 5 years, since those terms provide enough value to justify the overpayment.

Quote from @Kelly Schroeder: Seeing more investors prioritize cash-flow-based lending options over traditional income-based approvals.

@Mark Sacandy,If you don't have enough cash in the IRA to satisfy the RMD you will have two options:1.

As a real estate investor, knowing the differences between bridge loans and traditional loans can make a huge impact on your cash flow and project timelines.

Annual contribution limits are 10x an IRA.2.

Two of them are to set up a Checkbook IRA or a Solo 401k (if self employed and no employees).

I haven’t used the newer platforms yet on my deals, but the speed and transparency you mentioned definitely sound like real advantages — especially with how tight timelines can get here.I’m curious to see how these tools handle more complex assets, since that’s usually where traditional appraisers shine. 

We have also began opening Roth IRAs and want to start additional retirement savings.

@Austin JohnsonYou could do an IRA LLC or IRA Trust.