A Beneficial Owner is an individual who either directly or indirectly owns or controls a company.

It seems like there are a lot of choices out there so I am looking for anything that can help me navigate making a decision. 

As a landlord, I've great respect this individual and have treated him very well.

There are tons of valuable posts, learning materials, and great individuals here on Biggerposckets- so this is already a good start.

So, average cash flow is a product of the choices you make and the capital you have to deploy, as well as your lendability.I think what @Alecia Loveless wrote should be very helpful to you in terms of judging the money coming in, but it all depends on your location and investments.

It’s a familiar debate, as Californians have faced this choice twice since 2018.Under the 2019 Tenant Protection Act, rent hikes have been capped at 10% per year or lower if inflation rates dictate.

Furthermore, recent anecdotes of individuals earning significant wages yet lacking savings highlight the fragility of personal finances amidst rising living costs.

I tried reasoning with that individual as well but similar to you, seems adamant this strategy works.

The choice depends on your threshold of what hassle you are willing to put up with vs what expense is worth it to avoid the hassle. 

For example, in 2024, as a single individual, you make less than $146,000 MAGI, you can make a full contribution to the Roth, $230,000 if married filing a joint return.