Work with a CPA familiar with SDIRA tax implications to plan accordingly.Private Placement Memorandum (PPM) review – Ensure the syndication allows for IRA participation and that the deal structure aligns with IRS rules.Direct Purchases with Non-Recourse FinancingLender requirements – SDIRAs can only use non-recourse loans, meaning the property secures the debt, and your IRA isn’t personally liable.

If you are unwilling to be committed enough to a lender to even allow them to do a credit pull then they are probably less likely to take the time to provide you a detailed cost/fee breakdown especially when they know you have a lineup of lenders that you are considering. 

I am simply trying to offer a solution that is fair to both parties that allows the property to stay in the family.The biggest problem is they are having trouble refinancing the property due to credit balances.

Hey @Moshe Marciano, CA can be very difficult but you can find some areas that still allow it.More state wide regs are coming for 2024 that could affect payouts and such.

The most you are allowed to raise rents on a year over year basis is 10% or 5%+CPI which ever is lower.

What's the lowest credit score you will allow?

Still boils down to will the developers go for it and will the market receive them well.Portland came up with some really high density rules to allow these little tiny home villages and the planners and city was so proud and a few developers tried them but the market ( buyers) dont like them and the projects have failed so no one is building them anymore.. 

Subletting is allowed for STR guest only.2. 3-year lease with a built-in 3.5% increase on rent each year.

This is because REPS reclassifies rental losses as non-passive, allowing them to fully offset active income.

You can go as low as 10% down and there are programs that allows this for first timers with good credit.3.