By doing so I was able to eliminate the compound interest of a traditional mortgage and drastically pay down the loan in just a few short years.

Banks don't currently "love me" either,right now.They normally want two years of tax returns showing consistent income capable of making monthly mortgage payments without a problem.I just got started in this business and now can't finance a candy bar,let alone a traditional loan.

They tell me to go the traditional route and work under some company and build it the long way.

Not sure at all how they would handle traditional financing. 

You won't be able to finance that traditionally, which leads you to the hard money side or friends... 

Is there a traditional or standard role for KPs in apartment investing? 

As you guys would know, they taught me traditionally and made me believe in only working hard.

My only option is traditional IRA’s and I really want to create a pot of tax free income at retirement to offset the taxable income from my rental income.

@Zac VaughanHey Zac,With most HUD homes and REO’s in general they don’t qualify for a traditional FHA loan.

The main objective of the property crowdfunding was to eliminate the disadvantages of traditional RE investments.