In a nutshell, here is the deal: the IRS requires that you treat at least some minimal portion of the interest-free payments as interest.

With the rates at what they are my thought process is to do the deal in all cash then if rates drop do a cash out refinance.

Of course, you would not have a remaining equity split to deal with, but the dollars per distribution/time to distribute concept is the same.BTW, in 16 years of setting up self-directed IRA plans, fractional distributions in-kind was my least favorite strategy. 

And does your calculation take into consideration the fact that an entire town can burn down, and the only assistance the government will give you is a $700 gift card? 

When you underwrite a deal, on the T12, it will show utilitiesGino

i just closed a VA deal for my buyer last week.  

It takes us about 60 seconds to find out what pricing is for someone so it's usually not that big of a deal to just ask a loan officer.

I've noticed it's more true the smaller the deal.

Hi all,I am closing on my first deal 7/1/24, it's a duplex up-down 2b/1b units with a single garage.

However, my question is, what would/could happen if I just went ahead and did one small deal?