Choosing the right tenant is crucial, so take your time with the vetting process.

Make sure you choose one with experience and a strong track record.

When I choose to sell, I’ll make the determination of whether it’s most beneficial to sell the units individually and if I do, it’s an easier process since the declaration is recorded and the city already recognizes the 4 separate condo units.

There is a lot of pressure to choose your tenants wisely, and make sure they all get a long.

If the value is there to where you currently own 20% or more, then you should reach out to the lender and ask them to schedule an appraisal.Keep in mind that appraisal is not free, likely ~$600 depending on who they choose.

So, we are stuck choosing a house in the middle of the Seattle area or the north end where it's more affordable.

If the lender does find out that a property transfer has taken place, and chooses to enforce the due on sale clause, the lender must provide the seller (debtor) and, if applicable to state law, buyer with notification of default under the mortgage or deed of trust, and specific time as specified by state law to cure the default.  

So, if I choose to get paid a certain way, not by a commission, I could most likely do it, correct? 

However, if you choose lenders that originate the loan (purchase/rehab/DCSR) to the LLC (entity) and do NOT report to the credit bureaus then as long as you do not default on a loan, the odds are slim that your borrowing activity will appear on personal credit.

I still think syndication investing is fine within a self directed Roth IRA (or traditional IRA).The hold time on a syndication may only average about 5 years, which means when investing outside a syndication you are usually recapturing that depreciation anyways at a time you cannot choose/control as a limited partner.