Subject-to.

@Frankie Lotrec if you have an existing loan on the property and you plan to legally convert from a 4 unit to 5 unit , you should check the loan documents because you’d essentially be converting it to a commercial property, since 5+ units is considered commercial and subject to different appraisal approaches and so it would rule out the property being considered for purchasers utilizing residential financing.  

My thinking is very rarely at the subject level, usually at an "if then" level and this is what it conveyed to me. 

Subject to tax liability on the gains of course, but it gives you more flexibility.  

You could have used that $8800 to possibly have partnered with someone locally that is already doing the subject to deals to figure it out first hand.

To avoid Prohibited Transactions, SDIRA investments really need to be passive.Oh, I'll also mention that SDIRAs are subject to UBIT tax.  

After being involved in right around 40 deals (Mostly flips, some rentals as well as subject to transactions), I am now an agent with Keller Williams Intown Atlanta.

–Exception: An ADU on a 1-unit subject property that does not comply with the zoning and land-use requirements (illegal zoning) may be eligible under certain conditions. • ADUs that are manufactured homes are allowed under certain conditions.Good luck

This brought us to the subject of 1031 exchange with a turnkey real estate programs.

One thing that may work is doing a Subject to Existing Financing deal where you will buy the property from someone but not payoff their loan.