The participant loan feature of the Solo 401k provides a potential alternative.

"We’ve grown from a very homogenous employment base in the ’80s, when it was fueled largely by construction and hospitality, to one that’s very diverse.

I'd like to thank each of you @Joe Villeneuve @Sevy Bialke @Patrick Liska@Pat L.I learned something from each of your comments albeit in alternate ways.

We do most of our leveraged Retirement Account investing in our SOLO401Ks (IF you are eligible a great alternative) due to those taxes not applying to 401Ks.

It gives you an alternative to whatever may come.

Please consider me as an alternate if for some unfortunate reason you won’t be able to attend the Annual Conference in Nashville.

For example, if the 3rd unit has been there for a long time, your best argument may be to contend that the 3rd unit should be “grandfathered in”.As an alternative, consider expanding the 1st floor unit into the lower level.

Though I have seen it alternately praised and denounced, the simplest for me to wrap my head around is to take the average local rents, multiply by 2 (for duplex, obviously..), divide in half and subtract the mortgage rates.

The alternative after all that is to buy using a portfolio loan.

They will invite all the neighbors to a hearing about it and if there are any objections, they will deny your variance.An alternative to this that I have commonly seen is condominiumization where the land the home on is declared common to the association you create and then each house is deeded separately.