There are some creative things you could do tax wise with your situation.Look at the tax consequences of buying a note using your money versus borrowing the money.You are looking only at return rather than taking into consideration velocity of money.

I would rather take the money now from flipping to an end buyer and put that to work to increase the velocity.

@Rob Cee   agreed on all fronts... for me I just have to much velocity, this works if your doing your own deals and are patient to find the few a year you want to do.but for me who has 50 to 80 files going at any one time. 

Newlyconstructedmultifamily projects in downtown XYZ  have achieved strong lease-up velocities amidst new competitive supply,withABC leasingstabilizingearlierthisyearafterleasing30units per month beginning May 2015 (96% occupied), and ABCD  leasing 20 units per month (May-15toAug-16lease-up,95%occupied).

@Josh KundratAs a developer in training, you want a job that exposes you to the maximum amount of the development cycle with the maximum possible learning velocity (time and speed).

Plus...escape velocity...Episode 113 – Jay Papasan - Very practical slow and steady adviceEpisode 221 - Tim Shiner - his concept of equity build up and "shearing the sheep" shows some of the flexibility of real estate vs a 401k Last but not least, I also recommend all the tax advice given by my fellow CPAs on the BP Podcast.

As for cashflow banking, I think it’s either another term for velocity banking or something similar.

From my perspective, banks serve the purpose of lending on very stable properties, where velocity of money is not a factor at all.

When market cycles go down and everyone is scared that is when those in the know buy up as much as they can.You keep buying in hot cycles but stick to your pricing so velocity might go down some in those years.

If you understand the velocity of money you might be able to grow it more before you have to pay your taxes.