@Ali Mol In a lease-to-own agreement, the $1,666 monthly credit should be treated as a liability (deferred credit) rather than rental income, as it is allocated toward the purchase price.

And this leaves you with some interesting options because you can allocate your proceeds any way you want. 

My next comments are ONLY for tax purposes and may not align with how the waterfall works in the offering.Your syndicator may treat all distributions paid to you, up to your full capital balance and any allocated debt, as a return of capital for tax purposes.  

The IRS defines a “quality” cost segregation study as “a study that is both accurate and well documented with regard to” 1) the classification of property into classes, 2) Explanation of rationale for the classification of the property and 3) substantiation of the cost basis of each asset and reconciliation of the total allocated costs to total actual costs.

If you have a budget and allocate the costs, not sure why you would need a different bank account for each?

For house hacking, ensure rental and personal use are properly allocated for deductions.

I aim to allocate a small amount of funds toward a Roth IRA and a high-yield savings account (HYSA).My current job offers limited opportunities for overtime, so I’m exploring side work related to real estate, such as part-time property management or similar roles.

If house hacking, allocate expenses between personal and rental use to claim deductions only for the rental portion.

For expenses like utilities, property tax, and insurance, I estimate a 3% yearly increase.However, keep in mind that if you do renovations in the first year, it’s likely you won’t need the full 5% repair allocation for the first or even second year.

Quote from @Chris Seveney: Quote from @Jay Hinrichs: Quote from @Evan Polaski: @Hyun Supul, without diving too far into this, and the devil is always in the details, when I see this, I can't help but assume this whole offering is a way to for them to raise pref equity for their own deals, but wait, that won't look too good, so let's layer in some private credit, too.It says it will lend money AND invest pref equity into MF deals owned by Disrupt and Open Door Capital.Questions to ask: what allocation is going to loans versus pref equity in their own deals?