Alternatively, your sibling might use a 1031 exchange to defer taxes by reinvesting in like-kind properties, though this doesn't directly fund a primary residence.Other ideas include leveraging a HELOC on the rental properties for the down payment, taking out a 401(k) loan, structuring an owner-financed agreement, or a lease-to-own arrangement.

If you haven't connected with local people in your market there are several methods here.  

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

Your account structure depends on your goals for growth and if you plan to self-manage or hire a PM.

•I’m curious how you’re structuring your property management.

Your income needs to be 100x it and you need to invest 10% of your net(so less than $5mil) annually in structured product type investing incl RE, let it season for 3-5 years, re-invest the first bit of profits and by year 8-10 you should be comfortable.$500k annual income is alot for your average folk, but it's not "retire me" income at all.

As Jay and I have warned, WAY too many of the people grasping to this SubTo method SHOULDN'T do it.

And when their methods don’t work and you turn to your favorite guru for advice, what do they tell you?"

You could structure the deal any way you and the seller want.  

No other methods of payment accepted, written into the lease.