@Calvin OzanickI think it’s really a personal preference.

I would prefer the latter to try and maximize the results.

My point being that debt is fine and even preferable if you have cash reserves. 

@Kyle Johnson I agree with @Mike S. that the better option is to have it titled into a trust and then have the beneficial interest of the trust be owed by an LLC (Preferably a multi-member LLC).

It is preferable to invest IRA funds in notes secured by real-estate in the even of default by the borrower.

Hey All, Here is what I learned about funding / structuring deal for multi - family, would love to know any other way people fund / structure their deals:Downpayment (your own money) + commercial loan - No SEC involvementDownpayment (partners money) + commercial loan - No SEC involvement, partners need to have specific roles defined so that they dont get categorized as passive investors Downpayment (passive investors money, preferred returns) + commercial loan - SEC approvals neededWhat are other basic ways to fund a large (> 5m)  size deal

Hey All,Here is what I learned about funding / structuring deal for multi - family, would love to know any other way people fund / structure their deals: Downpayment (your own money) + commercial loan - No SEC involvementDownpayment (partners money) + commercial loan - No SEC involvement, partners need to have specific roles defined so that they dont get categorized as passive investors Downpayment (passive investors money, preferred returns) + commercial loan - SEC approvals neededWhat are other basic ways to fund a large (> 5m) size deal

Can anyone share which which turn key providers that prefer in the Kansas City market and the Memphis market? 

For those of us who may prefer an adult beverage while we talk RE, I checked our Sam's Boat in Silverlake Village yesterday afternoon at around 2pm and they have nice covered deck area where we can chat.

Right now, we are still developing our niche.