Not sure whether the calculation is correct.

(Usually you cannot use prior employer history until you have been at your new job for 6 to 12 months, depending on the underwriter to show that you are maintaining the same level of bonus/overtime/commission income that you had at your prior employer).

I intentionally minimize my cash flow (try to maintain high LTV, use accelerated depreciation to our advantage, etc) because it gets taxed annually.  

Based on your description, it sounds as if you're asking about the City's housing authority, is that correct?

Is that correct?

Perhaps that's the correct option if you are selling a SFH to a home owner that has unique design characteristics but not in the context of what you are facing.

If I understand correctly your siblings goals are to sell their rental properties, use the funds to purchase a primary residence they'll eventually move into, and limit their tax liability correct?

If not, you could always maintain 2 separate IRA accounts, one self-directed for private lending, and then another for your traditional investing.

The loan has come to term and they can’t maintain the property and the current interest rates.

STRs also avoid automatic classification as passive if rented for seven days or fewer per tenant.To maximize tax benefits, maintain detailed logs of all hours worked on activities like tenant communication, cleaning, maintenance, and marketing.