Keep in mind that strict rules apply, such as avoiding self-dealing, prohibited transactions, and personally benefiting from the property.If you’re not looking to involve your IRA directly in the property purchase, you could explore other creative financing strategies outside of your retirement account.

The Section 8 move in phase of your rentals is critical. 

I am using the tax benefit along with the principal pay down and appreciation to offset.

Half would be business, other half the primary benefit.

If your doing an FHA and plan to stay in one side you have to figure out what that would benefit you.

What are the benefits and drawbacks of buying a seller financed home?

I just acquired one from a PM where they were charging a tenant a resident benefit package and a building protection plan.  

Fred, something to look out for is if this depreciation clock resets with the new administration in office. 2025 it went to 40% but the benefit would obviously be much higher if it goes back up to 100%. 

That's my biggest concern.But I should also look at the tax and long term benefits.

This gross number is higher than my commission on the units they service, however it does not phase me.