The normal solution btw is to simply add a static route (sometimes referred to as static route leaking) and avoid the whole “tunnel to self” thing:
/ip route
add routing-table=tester dst-address=192.168.1.0/24 gateway=ether1
or for default:
/ip route
add routing-table=tester dst-address=0.0.0.0/0 gateway=192.168.1.1%ether1
This way, masquerading will work normally.
(For the first example, if ether1 wasn’t in the “main” vrf, gateway=ether1@main would be the correct form.) And the docs are always helpful: Virtual Routing and Forwarding - VRF - RouterOS - MikroTik Documentation