Long story short, due to the lender making some serious mistakes during the refi process they paid for the refi appraisal, all closing costs and the loan officer contributed her/his commission because of the mistake.

If needed I can buy it in my name only, but we would both really like to get her on the title, and have her contribute to the deal.

The issue is everywhere I go left and right I’m told by every financial advisor that #1 max out 401k contributions and Roth then go to brokerage accounts or real estate.

You can use this entity to adopt a truly self-directed Solo 401k plan and reduce your tax liability even more since it has high contribution limit of up to $58K/yr. 

If for whatever reason UBIT is paid directly by the taxpayer, the amount paid is considered a contribution to the IRA.Follow up question: Is there any difference in how the UDFI will apply for these: 1) SD IRA 2) SEP-IRA 3) Solo 401K 4) SD IRA (operated as an LLC) so this one is confusing...

That may be a contributing factor.

You could be responsible for Capital contributions going forward, even if you get the 3% for free.

I realize this contribution takes time and energy.

@Bob Ross The factors that contribute to an investment being worthwhile or not are not as complex as people think.People complicate these factors in an attempt to delegate responsibility to non-emotional rationale and maintain loyalty to the "does it pencil?"

I have good credit, a good W2 income, available cash to contribute to the DP... is there a resource out there that could put me on the right track?