I would, however, throw that in the category of, "just because something works out does not mean that it is a good idea."

Especially with cost segregation and bonus depreciation, it can make a HUGE difference in your calculations.

., personal, family, or household purposes), which puts this loan squarely in the consumer loan category.

Unfortunately, there are also a few people who have popped up on BP trying to sell a crappy real estate-related program but fortunately the majority of the experienced investors on here don't fall under this category (plus the program spammers tend to get banned sooner or later).  

I don't mean to be ungrateful, but this is really no benefit or bonus to a Pro Member, it's just a source of frustration and a waste of my valuable and limited time. 

IN RETURN, I AM WILLING TO OFFER 60% OF MY SHARES FROM OUR REFINANCE CASH OUT PROCEEDS WHEN PROJECTS COMPLETED IN 6-12 MONTHS.Preferably experienced investro from Utah will be a bonus but will consider all....If you're interested please text or call me at my direct number asap (415)483-6120.  

Does it make sense to offer an additional bonus (let's say 5K) if they are able to negotiate for $1.1MM on top of the usual 2.5% - 3%?

While you’re at it don't forget to set up keyword alerts for topics that interest you: http://www.biggerpockets.com/alerts If you haven't already, also check out The Beginners Guide (http://www.biggerpockets.com/real-estate-investing) and BP Podcasts (http://www.biggerpockets.com/renewsblog/category/podcast/) are packed full of great info. 

My best funding I can get is $2+mil and requires 20% down so ideally I'd like a property that fits into that category so I can use my best connect or a partner loan me money on similar terms to my preferred financing contact starting at any price point.  

I understand underwriters add up all categories except Mortgage Interest, Taxes, Insurance, and Depreciation - everything else is counted as expenses for the property.