Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

@Patrick Roberts & @Tim Delaney- which lenders/ loan types are good for 80%?

@Ryan Daulton,You don't have to buy a house in SDIRA without a loan; you can easily get a loan, but it must be non-recourse.

Loan interest is deductible based on the use of the loan, not the asset securing the loan. 

You could likely get into a rental with a DSCR loan at 20% down, which would be similar or less in terms of DP on an owner occupied loan via conventional financing in eastern MA. 

And if it's a high amount, would you be better off just using that as a downpayment and get a standard new investment loan?

The problem was, they only had enough money for a 3.5% down payment and an FHA loan.

At the refinance, I am able to get a loan for $180,000 and $20,000 of the money partner's money stays in the deal.

Most 1-4 unit real estate investors are using DSCR loans right now for any buy and holds while flippers lean on higher leverage bridge/fix and flip loan options with higher interest rates.

Depreciation Benefits via Leverage: While you can't claim depreciation personally on IRA-owned real estate, SDIRAs can use non-recourse loans to purchase property.