So I am can get a lawyer too as @Carl Fischer suggest it goes both ways.

However you need to make sure to avoid prohibited transactions when a SDIRA is the purchaser/owner of real estate.You indicate matching funds using the 401(k) can you please explain a little more on that, as I want to ensure you are not doing a prohibited transaction.I would be happy to connect and answer any questions you have and talk more on the details of this transaction.Thank youCarl Fischer

Thanks @Steve Fischer!

If you would like to speak more, I would be happy to connect with you.Thank youCarl Fischer

I agree with @Carl Fischer that folks are generally better off treating the financing party as a private lender.

Thanks @Carl Fischer and @Dmitriy Fomichenko for the recommendationsI'll start reading "Keep It" and hopefully it'll open my eyes to some creative strategies. 

Check with @Carl Fischer for more information.There are definitely lenders that can do better than 12% in New York - hit me up if you want more details.

I would be happy to connect and answer any questions you may havThank youCarl Fischer

Quote from @Camden Fischer: Hey all,When I bought my townhouse in December 2019, I added a bathroom and kitchenette to the basement and stupidly did not pull permits for it.

Matt Fischer,What lender is it in the westcoast, that allows 10% for non-occupied?