There are still details to keep in mind that I rarely see addressed in stock operating agreements.

I have an IRA/SDIRA and stocks/bonds increase in value, the balance goes up each year (minus the mandatory SEPP payments) correct?

Maybe put some of that into a money market account or the stock market, so if an HVAC does go out in 2 months you can pull out $4-8k to replace it (depending on size, location, etc). 

Some call the stock market a representation of human sentiment in real time, and I imagine the real estate market is not too different.

Think of this similar to how you would invest in Apple stock.

There are several different types of income in the US tax code.Two main types are “active income” and “passive income".Active income is money you earn from working, such as wages from a W-2 job or income from running a business.Passive income is money you earn from investments like real estate, stocks, or rental income from your RE portfolio where you earn $ without actively working.Normally, you can't use passive losses (like losses from real estate investments) to offset active income like your salary from a W-2 job.That is unless you are an RE Pro.The reality is, that Real Estate Pro status is just a filing status similar to filing married or jointly.And if you are a real estate professional you CAN use passive real estate losses to offset active income from other sources.To qualify as an RE Pro you must:1.

Hopefully people will quit chasing what was a shiny object.Kinda like people buying a stock at its peak only hang onto it too long and lose more money.  

It's been a bit of a dead end asking this question of our current banking partner...

But I'm not dead set on anything accept that I would like to be in Florida. 

Think of it another way, if you invest in apple stock and show up to a store asking questions or their office to ask questions and say you are an investor in the company - what type of response do you think you would get?