Makes a huge difference especially in our economies of scale business model. 

I've learned about hard money or direct loan companies but everyone I've talked to so far I can't really say I'd trust them with my personal information much less to to a financing deal with.

It doesn’t matter that it might be a business-purpose loan.A Promissory Note, DOT, Personal Guarantee, and JV agreement are hardly overkill, @Jarrod Ochsenbein.

Personally I think it would be foolish to just invest trying to get tax write-offs as the primary benefit of your portfolio.

It is more of what fits you and your personality and what gets you excited.

Ok, for anybody still interested, I located the applicable regulations.Performing repairs yourself on property held within your SDIRA fall under United States Code: Title 26, § 4975, subpart (c)(1)(C) which reads:(c) Prohibited transaction(1) General ruleFor purposes of this section, the term “prohibited transaction” means any direct or indirect—(C) furnishing of goods, services, or facilities between a plan and a disqualified person;As stated above, it is a little vague and subject to interpretation.

A bank will not go above 75% typically so you have no ability to borrower or maybe get out $20kIn this environment with high prices and rates - I personally don’t think it makes sense to borrower for a down payment as you are just over leveraging with multiple sources of loans.

Plus the building itself must show receivables as a business or in rents to underwrite the NOI of the business, Rent rolls, and occupancy ratio if rentedHave you thought about starting small and simply buying some single family homes or 2-4 units and transition into commercial? 

You can sub all the work out and keep all your costs low for the rehab, even go in after deals that someone else might not be able to get because your costs of labor/work is a lot lower then the other person needing a contractor to do the work.

Perhaps the person who helped me last time didn't know.