I am 24 years old and have managed to chunk in nearly 11k into my Roth IRA through work. I want to purchase a rental unit in an area of Saint Paul I believe is beginning to have increased popularity and starting to clean up quickly (pushing the gangs and crime out).
My investments into the Roth have netted me 17% ROI and I see a market dip coming in the next few years. My question is, If I can take my investment out of the stock market by borrowing from my Roth and invest in a down payment while interest rates are low, would this be a credible strategy? (Technically my money is still invested, I just skip the part of losing during the 'bear market') I wanted to buy once the housing market dips, but I feel there are many others who are waiting for the next housing dip as well which will make the market rebound very quickly.