What cap rate is the selling asking?

Rentals also build equity through tenant payments and appreciation, with profits taxed at lower long-term capital gains rates when sold.

I want them to see the total picture and then keep whittling down to where they get close to say a 5% error rate. 

You would end up saving the higher interest rate on the HELOC as well as closing costs.

@Samuel Kim - please contact @Chris K. privately and allow him to show you how you can benefit from this wonderful strategy that he implemented for his many health professional clients.

Quote from @John Warren: @Mordechai Chaimovitz cap rates and NOI are commercial real estate terms, and 1-4 units are not really valued in the same way.

What interest rate are you getting?

It’s flexible—you can invest in rentals, commercial properties, or syndications—but managing it requires careful attention to avoid prohibited transactions.In comparison, a SEP IRA offers tax-deferred growth, which might be better if you expect a lower tax rate in retirement, but it doesn’t avoid UDFI tax on leveraged properties or allow borrowing.Before investing, check if SDIRA Wealth aligns with your goals and review their track record.

He contacted an attorney, who finally got clarification from my attorney as well as the county recorder.  

The rates are great, but you definitely have to work with someone that knows what they are doing...