I think part of it is these cases are complicated.. so hard and time consuming to prosecute.the one I have first hand knowledge of here in Oregon.. its the IRS that ended up taking it on.. these guys take this money but don't pay tax on it.. that's tax evasion money laundry and wire fraud..

Once you clear the 2-yr mark of living there yourselves, you can likely use the full $500k.Disclaimer: I said likely, because there could be a mountain of complications, as well as some different opinions from my peers.

It's not that complicated, but it's not fast or easy.

Lawyers may have to be involved, thus delaying and complicating the process, however, as long as nothing was done with intent of causing whatever caused the claim, they'll cover it.

There's no need to go looking for something complicated. 

If you are just dealing with a sales and marketing company then you won't have the accountability and you will be paying additional unnecessary markup.

Really, so the most complicated, intricate is the "best place" for those who know the LEAST...... 

In a contract for deed, often done with seller finance deals, the answer is a little complicated.

You can do self directed IRAs and 401ks, but it complicates things a lot and you loose depreciation.   

Lending is a highly regulated, complicated endeavor, and it's important to know all the requirements for licensing, etc.