It's when an option becomes convoluted and takes on the flavor of a sham transaction or bridges on a prohibited transaction that a lender may disqualify amounts or loans funding such transactions.Having been around hundreds of banks I can assure you that loan officers are not attorneys and some may not spot or understand such contracts, doesn't mean that they are a prudent way of doing business.

Where else can you so easily associate with millionaires, lenders, real estate professionals, developers, gurus and specialists of so many flavors.

It means don't waste your time with the flavor of the month.

I follow your logic though... and my own philosophy is that cahs flow has a "flavor and color" -- and it's possible to get "enough" cash flow and still have properties / experiences / tenants that provide you a great "joy to headache" ratio!

Many of the initial underwriting rules go out the window after a loan is seasoned, kept on the books by the lender, and they will take on a different flavor to be sold in the secondary market or to affiliate lenders, but there are generally accepted requirements.

Or is this just another "Guru" trying to sell his own flavor of snake oil?

In Wisconsin, by state law, the trust account was interest bearing account, and the interest was paid by the bank to the state, and that money went to support varous low income housing initiatives.I'm sure there are many flavors of trust accounts found throughout the country.

For instance, some of us could probably use basic help with our websites or developing squeeze pages - you can specialize in REI flavors.

The thing I see the most from new investors is that they think they always are missing something and they keep going after the flavor of the week thinking that's what they are missing.

But, it's a cool idea.....Still, IMO, I'd put functions that did not require natural light in the basement, maybe like the bar, an art gallery uses artificial light, sports shops, list is endless, anyway it can be retail, first floor is your anchor store or activity, or residential and the top floor upscale apartment/condos, keeping with the flavor of the area.