The reason I am trying to free up this property is I would like to have an adu built on it eventually.

At the expense of our original deposit, which would be like an interest free loan to them.

As has been mentioned, try to find a way to keep as your primary for 2 years, and all gains are tax free at the sale.

If you have any questions on this - please feel free to reach out to me via pm I'd be happy to chat.

Pricing in DFW probably means you wont live rent free,and will have to pay your fair share of normal rent, but you also get 3 more people contributing to your loan paydown and you get to keep the appreciation.Buy hey...maybe I'm wrong....go talk to a local bank or credit union near where you live and get a term sheet from them for financing. 

Please feel free to message me! 

Chicago has plenty of opportunities for value-add projects, and I'd be happy to share some insights or introduce you to a few local investors I've worked with.Feel free to reach out if you want to talk strategy or specific neighborhoods!

If your money that you want passed down is in a ROTH or something your beneficiaries can wait 10 years for distribution to get them another 10 years of tax free growth. 

If you are a hard-worker, feel free to send me a PM, I might have know someone looking for a faster learner I can introduce you to. 

It also comes as a free bonus with the Momentum 2025 Summit, which starts in February.