They are either speaking out of their limited experience or claiming something is legal or illegal based on personal preferences. 🤓🧐  thanks  Scott:)

A third consideration is that FHA has rules for limiting rentals in developments. 

Consider house hacking with an FHA loan for lower upfront costs or explore creative financing options if capital is limited.

Yes all losses and returns the IRA incurs stay in the IRA until you take a distribution. 

I expect greater than 10% just for the loss of residential F/f financing.at 10% difference, or even 15% difference, coop would be up there with lot splits on sophisticated value add.  

I'm now aware of any "lifetime" limits for FHA loans, but you're required to live in the property for at least 1 year after the loan starts.

Chances are very high that you are not claiming tax losses that you should be.There are many ways to create relationship problems and one highly successful one is mixing business with pleasure. 

SFR with ADU is no problem. but if you're considering adding an ADU to a multifamily property, consider the limitations you're creating on your back-end buyer if you decide to sell, or your own financing if you choose to refi. 

Last month, I pulled the trigger on getting my first real estate property ever and decided to go with a 4 bed, 2 bath new construction to limit all the variables involved since I am still in college.

Reduced loan limits for investors might force many to seek alternative financing.