Also, starting my journey in real state investment made change my mindset and since last year I have been more disciplined on my finances and I have been taking better decision on how I spend my money. 

How much $ do you want to spend? 

I just don’t want to spend more money chasing something that will never happen.

Spend your time learning your market and learning to market. 

Live in one unit and rent out the others to cover your mortgage.Seller Financing: Negotiate terms with the property seller where they act as the lender, often requiring a smaller down payment and bypassing traditional underwriting.Partnerships or Joint Ventures: Partner with an investor who provides the capital in exchange for a share of the property’s equity or income.Lease Options: Use a rent-to-own agreement, which allows you to control the property while saving for a formal purchase.BRRRR Method (Buy, Rehab, Rent, Refinance, Repeat): Acquire a distressed property with short-term financing, rehab it to increase value, rent it out, and refinance to recoup your initial investment.Pro TipStay in close communication with your lender as you approach your next purchase.

Can I dictate the remitter listed on the check (LLC vs controller vs IRA) based on the needs of the transaction - my local bank would at least give me that much latitude - or is that determined by these banks?

This allows you to control renovations and decide whether to self-manage on the back end.

If you don’t qualify as a real estate professional or don’t have a way to use those passive losses to offset your active income, then spending the money on the study might not be worth it.

I would say that my problem or "bad" experience isn't really with RTR directly, its more so with their affiliates like the property provider or lender or property manager, etc. and I don't know how much control RTR has with their affiliates. 

Operators tell me that the objection to the costs are from the children of the elder who don’t want mom to spend down her savings, fearing that she will run out of money and that there will not be any left to pass down to the kids.