Feel free to ask here and we can try to help you, if you need a holistic financial planning done, you need to hire a professional. 

Independent advisors are generally thought to have an advantage because they can recommend anything, they are not locked into "the family"... also if they are CFP will/should be able to give a more holistic template of advice beyond specifically what's in your account with them, so gold, insurance needs, retirement/estate planning, business continuity and/or real estate for example.They tend to be very risk adverse even if you want the riskiest investments most will still be putting you in funds/etfs. 

@Sam BromanoYou are correct that you should evaluate decisions holistically across your whole portfolio.

This investment needs to be held in a holistic portfolio and is subject to covariant risk/return patterns along with other financial instruments. 

Originally posted by @Jameson Hedin:@Michael Plaks My student loans hit after I graduated, wife stopped working to have a baby so no, we wouldn’t qualify b/c of our debt to incomeWhich only reinforces my point that you need to consider your situation holistically and not just from the narrow angle of avoiding capital gain taxes on a sale that may or may not be the right direction. 

I recommend that you reach out to a fee only Financial Planner who can provide you with holistic financial planning advice that encompasses your complete financial picture which includes tax planning, financial planning, cash flow management, debt management, education planning, retirement planning and estate planning.

You may want to talk with an advisor or someone who can give you a holistic response based on your "comprehensive" personal situation.

I would invite you to look at the deal holistically and see if there's great return for you in there, if there is you have to think that 20% is the Cost of Doing Business and the gains you would not have realized if it was NOT for the lender funding you the deal.

True financial planners and advisors will discuss more than just stocks, adding holistic planning for your family, estate planning, tax planning, debt management, philanthropic endeavors.

If this message resonates with you, I encourage you to take a high level, holistic evaluation of what you’re doing…Is a foundational shift required for you to take things to the next level?