Also, don't forget to track mileage (carefully) as that can add up.There are many areas where there are shades of gray. 

@Linda WeygantThe issue with partnering between an IRA and a disqualified party is that it is a gray area with a certain amount of risk. 

Anyways My name is Jai Thompson from BWD Investment Group DBA Jai's Consulting Service I am not a Guru just a real estate investor here to help feel free to reach out to me 702 751  5310   Yes, I answer phone and respond to email and texts with in minutes 

He keeps saying it's gray and I'll go to jail. 

You need to know what rents in your area, but if you're hoping to only do a color change once every 10 years, in most parts of the country, it would be a terrible decision to go gray at this point.

For example, if my MRBA is $128 and my MCEBA is $128 (manually calculated), do I alter my percentages to 11.4% for both sections so that the gray text gives me a matching "$128 /month"?

There's no gray kind of area here.Prior to 2018 you could exchange business assets for similar business assets and real estate for real estate. 

@David Thompson thanks!!

So it is a little gray area, but because of this, if the bank saw the name transferred into a trust and they don't have access to the beneficiary info they may not go down that road. 

In other words, certain topics are gray and you have to decide what course of action you are most comfortable with after understanding the pros and cons.