The primary concern with using commercial financing is it typically features a short term, long amortization and a balloon that could be problematic if you cannot afford to refinance due to market conditions at the time the loan becomes due. 

I know RentRedi uses Latchel but the reviews I have read have left a few concerns.

Well, I guess I do have a few observations….I’m NOT concerned with the fact that someone is charging $15,000, $25,000 or even $40,000 for their mentorship.  

The reason for my concern.

However, by emphasizing their security deposit and concerns about repairs every tenant we've approached using this system has signed our lease.Someone from maintenance stops by to introduce themselves, give a business card and ask if there are any repairs that need to be addressed in their unit.

My concern is at some point the DST's will go full cycle and I'll continue to have carry forward losses that I won't be able to use depending on the decisions I make at that time.  

You should also field their questions/concerns.

If you have a great job where you can absorb things like, a new $4,500 AC, or a $10,000 roof with little concern - a cash flow play could make sense.  

Real estate investing is a long-term game, and it may take several years to build up a portfolio that generates enough income to support your lifestyle.While it's natural to have concerns about starting real estate investing later in life, it's definitely possible to achieve your goals with the right plan and mindset.