Ram, this is an established model in Texas and land oriented states that I have direct experience with.

Hi Otis,Self-Directed IRAs (SDIRAs) can be a great tool for funding real estate deals, especially for private money deals.

But 1) you're likely grandfathered in if they ever do, and 2) there are no talks or indications of changing directions on their stance. 3) long term rentals don't cashflow here, but our appreciation is super high.

@Hamidou KeitaTo build a duplex or ADU in Tucson, verify zoning regulations, obtain construction estimates, budget for unexpected costs, research market rent and vacancy rates, calculate ROI, consider neighborhood and property value trends, analyze construction timeline, consider exit strategy, and consider a backup plan.

@Eric Jones created the spreadsheet seemingly the way you directed.  

You can surely buy cheaper properties and obtain the same debt pay-down, but now you've got 5x the head-ache, so right asset class is more about efficiency when it comes to debt pay-down.Tax shielding is similar concept in that more expensive properties directionally give you more building basis to depreciate, which means less net income to tax.

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan. 

>>For purposes of taxes, consult with a CPA to confirm this would work for your situation, but you could have the LLC be treated as a "disregarded entity" and thus, even if you and your wife are members, any profits/losses would "disregard" the LLC and go directly on your personal returns. 

Anything beyond that is going to take some blocking and tackling (reaching out directly to local companies like solar farms, construction, medical staffing agencies, etc.).

Adding details and specifics can help get to the answer or direction you're looking for.