You can essentially never go there or use the property, everything has to be hired out.Your SDIRA is and must be treated as a separate entity from you.

But the difference will be treated first as profit by the IRs.  

Here is where things get a bit uncertain, the automated system used to qualify these loans will treat each borrower differently but over the last 2 years, I have closed about 100 of these loans and run hundreds more through the system, what we have found is that most people are declined above 39% housing DTI with the highest approval 44.6% of gross income.  

They based it on the pro forma NOI and not the actual, and they were treating this like an A class asset. 

If you ARE a trade or business you need to treat your activities that way, it's not a some yeras we are some years we're not situation.

It’s a business, treat it like one. 

He said he spoke with the bank and they said they will treat it as a stick built for loan purposes.

The 1.75% , I would just add that to the closing costs. treat it like "points"  or add it as "Other charges from the lender"

I would treat this just like an insurance claim. 

Treat money as if it is a verb, not a noun.