Depending on the state you work and repropricity laws, payroll taxes are less.  

Hi @Jason Mak  I'm not sure what type of "creative" points we use, but for commercial deals in that purchase price class we typically have sophisticated counsel on the other side, so negotiating is more reasonable. 

Ally, if you're in an R-2 district, zoning will only allow 2 units in the dwelling, and there's typically no avenue to turn it into a legal 3-unit building (re-zoning is possible but that's for sophisticated developers).

Not enough is said about these issues as everyone scrambles to get sophisticated with houses.     

Sophisticated sellers don't want cash when you can give them what they really want.  

Wages are deemed to be earned income and, i addition to income taxes, are subject to medicaid and social security taxes (sometimes called FICA or payroll taxes).

However, most people are probably not sophisticated enough to handle the choices and should be with WF or BoA.

If you report a salary to yourself via a W-2 any way you are taxed or set up the entity will pay payroll taxes and unemployment insurance as an expense.  

-A single member LLC doesn't need a Federal ID # ("FEIN") until you have payroll.

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