A Solo 401(k), on the other hand, offers more flexibility, allows higher contributions, and avoids UBIT when using leverage—but you need self-employment income to qualify.

The DST structure is a direct, passive and fractional interest in institutional quality real estate which allows for flexibility and diversification.  

We’re actively seeking lenders who can fund multiple properties at once.Open to discussions on flexible financing strategies that have worked for others.I'd love to hear from fellow investors, lenders, and finance professionals—how have you navigated this challenge? 

However, if you're leaning more toward **purely investment properties** and have the flexibility to dive into the numbers, I would recommend looking at the **South Side of Chicago**.

You’re so right about the advantages stacking up—market rents from day one, smoother financing, cost segregation goodies, and exit flexibility.

Short-term rentals (STRs) are highly regulated, particularly downtown, so areas like Mount Pleasant, James Island, and North Charleston may offer more flexibility.

**Mesa's Eastmark area** - Strong school districts driving family demand Property Types in DemandThe most profitable flips currently involve:- 3-4 bedroom single-family homes built between 1970-1990- Properties with pool potential (but without existing pools)- Homes with generous lot sizes that allow for expanding square footage Renovation Trends That SellPhoenix buyers in 2025 are particularly drawn to:- **Energy efficiency upgrades** - With Arizona's extreme temperatures, smart thermostats, improved insulation, and energy-efficient windows offer significant appeal- **Outdoor living spaces** - Covered patios, pergolas, and native landscaping that requires minimal water- **Modern desert aesthetic** - Clean lines, earth tones, and natural materials that connect to the Sonoran landscape- **Flexible spaces** - Home offices or multi-purpose rooms that accommodate remote work Challenges to Navigate Water ConcernsThe ongoing drought situation means water-conscious renovations are no longer just trendy—they're essential.

A 30-year mortgage offers lower monthly payments, which could be a good fit for flexibility when you rent it out.

They not only provide rental income but also offer flexibility for multigenerational living or housing for aging parents.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.