My only option is traditional IRA’s and I really want to create a pot of tax free income at retirement to offset the taxable income from my rental income.

@Zac VaughanHey Zac,With most HUD homes and REO’s in general they don’t qualify for a traditional FHA loan.

The main objective of the property crowdfunding was to eliminate the disadvantages of traditional RE investments.

I have a solid understanding of investing in a broad sense, especially in traditional paper assets, but as for real estate investing experience, I'm as new as they come.

Is this a traditional rental or vacation rental?

I'm assuming there is a reason you see an opportunity for owner-financing--the sellers are in a situation that requires them to dispose of the property quickly, the house has an issue that prevents it from selling traditionally on the market, the sellers are under water on the house, etc.

@Shaun Weekes what I was trying to achieve if reasonable rates existed was to not pay traditional mortgage underwriting expenses plus incur another hard pull on credit.

I did that on 23 Amherst   and I have two more going.but to answer @Nancy Bachety question yes in some areas you can literally build two homes on one lot and you just have address A and B  and you don't really do a lot split in the traditional sense.. they call it some sort of regime..and I am doing  2 of those on single lots.. then I bought 3 lots and am going to get 4 homes on those three lots.. sowith 5 lots I am going to get 8 stand alone SFR's   this is all infill just out west of downtown.

Christian Cramer from Hawaii Real Estate Group is always killing it.

Looking for some input here - I recently purchased my first two deals, one is a 4 plex I put on a traditional mortgage and the other being a SFH I bought with cash and flipped.