@Chad BaileyThe following IRS document sheds more information on the ROBS 401k program. https://www.irs.gov/pub/irs-tege/robs_guidelines.pdfAlso, here is how the ROBS 401k program works in a nutshell.A new C-corporation is established.Corporation sponsors a new 401k/PSP.The IRA funds are transferred to a new brokerage account opened for the 401k/PSP.The new real-estate corporation issues stock shares to the 401k/PSP for the benefit of the participant.The 401k participant must be an employee of the corporation and he or she may take a reasonable salary.The corporation owner's family members may be employees of the franchise business and receive reasonable compensation for their services.To the extent that the corporation generates profits and elects to distribute those profits to the owners of the business, the percentage of the profits associated with the shares held in the 401k/PSP will flow back to the 401k/PSP brokerage account.

(assuming a corporate tax election has not been made)Except now you have costs to maintain this structure.Single member LLCs are generally for legal liability protection, not tax savings.

Here is how the ROBS 401k business funding arrangement works:A new C-corporation is established.Corporation sponsors a new 401k/PSP.The IRA funds are transferred to a new brokerage account opened for the 401k/PSP.The new real-estate operating company corporation issues stock shares to the 401k/PSP.The real-estate operating company must be an employee of the business and he or she may take a reasonable salary.The business owner's family members may be employees of the business and receive reasonable compensation for their services.To the extent that the corporation generates profits and elects to distribute those profits to the owners of the business, the percentage of the profits associated with the shares held in the 401k/PSP will flow back to the 401k/PSP brokerage account.

The decision will be based upon your personal situation and your opportunity cost (i.e. to you have a better use for the amount of funds needed to bring your down payment from 10% to 20% that will produce a better {after tax} return than avoiding the mortgage insurance).If you are purchasing the property as a rental, then your mortgage interest is a business expense and it may make sense to take the high ratio mortgage (10% downpayment) provided the property still cash flows with the extra leverage.If you do elect to go with the 10% downpayment and plan to purchase two properties, discuss this with your mortgage broker / lender first to make certain you will be able to have two high-ratio mortgages.  

Depending on what it is you did in Israel pertaining to the type of real estate transactions you can probably carry over most of the fundamental knowledge, however, many of the technical elects are vastly different form Israel.

You can also elect to take the entire tax hit in 2016 if that works to your advantage. 

They also helped me set up my LLC and all of the tax elections as well.  

After looking at the property and walking through it with the VP, he told me if I offered $10K, he would be on my side and convince the president to go along. 

My two cents is that it is somewhat ironic that the hardworking middle class voters who elected these government officials are indirectly being taxed because ultimately some of the added tax burden will be placed on their shoulders in the form of higher rents to cover higher tax bills.Also, are there any investors out there that feel like these increased taxes will help break the current market cycle?  

Otherwise there is no reason why you shouldn't have a copy within a few hours.You can complain to the president of the HOA, who typically would be another unit owner, about the lack of responsiveness of the management company.