This is a "lightbulb moment" for me so thank you for sharing Phillip.

If I own the pharmacy, I have:Rent - a premium, high-rent payer,Credit – tenant has great credit,Building - vertical improvements in the form of the building,Site Improvements - in the form of a parking lot, curbing, storm controls, etc,Zoning – I own real estate zoned for a broad variety of commercial uses, andReal Estate - I have a great piece of underlying ground on the hard corner of a signalized intersection with the highest traffic counts in the area.There is a market for this type of product.

And include your lender's POF, Preapproval or letter of intent, whatever form they like to provide.

For me the the CFA track made the most sense because equity/commodity markets interest me, but find your own, create a plan, and don't pick your head up until you find yourself where you saw yourself in the beginning.

Actually, I have stock in a natural gas pipeline company gas would be better for me.

Now, there may have been bills due at Closing (Appraisal, Inspections, etc) that reduced the amount available to distribute - but you should have Signed a Release Of Earnest Money form.     

Since the funds are  in a pool, you have to disclose, fill out forms and register what you are doing to avoid complications with SEC and IRS.

No need for me to reinvent the wheel when thousands of folks have already done it with success!

@John Smyth, yes, my compliance officer told me that if I form an LLC, that's a clear case of needing to preclear as an "outside activity."

Sure, there is an acceleration clause to think about, but I have never run into any problems, and I don't know any investors who have ever run into trouble with the bank calling the loan due.LLCs are easy to set up, and I think it is good form to have one.Cheers, Josh