You cannot use ROTH money to buy your primary residency. But you can use that money to buy investment properties. You have first open an account with a ROTH trust company, move your ROTH money to that account and then move money from that account to your self managed ROTH bank account. The trust company will charge you about $300 per year for management fees. You need to report to the trust company annually you property values. Your revues from the investment will be tax free for ever. But legally you cannot do repairs yourself, which is considered excess contribution. For the same reason you cannot use money outside the designated account to do repairs either.