There are a couple of us CPAs here on Bigger Pockets who can advise and help with these kinds of returns. 

After two years the initial loan amount is returned.

You must look at it as what your getting in return (Knowledge + Education) as opposed to "giving" something up (50% of the profit). 

I ultimately decided to not pay down any loan faster than I needed to because it would reduce my rate of return for the investment and tie up my cash. 

If he finds a deal that is getting a return higher than the debt, then it may be worth while to go for the deal.

Two entities own a combined 20 properties, one of the entities is a Hawaii LLC and our CPA has proposed $5,500 for this entity that only holds two luxury residential properties (3 rental units),  the CPA has also proposed $2700 for our personal returns.Consulting, as needed, will be billed hourly at $250-$400/hour depending on level of expertise required.This seems very high to me, if anyone has a referral for a good CPA that can handle mostly real estate investments tax returns in multiple states please let me know.Thanks Mike

You'd still get the same owner occupant financing and you could still rent out each room for a higher return. 

She won’t let this go and I have tried reaching out to 2 separate attorneys and I can’t get either one of them to return my calls even after calling and speaking to there assistants multiple times.

Ah, loving this thread with all the speculation regarding the AU NZ and Canadian property market :)Having been a property investor and developer here in Australia for over 15 years, I can attest that the market is extremely expensive, mainly in the east coast capitals (Melbourne, Sydney particularly) and the rental returns on residential are quite low, I can also assure you there is no "imminent" collapse  just around the corner. 

Figuring on wholesaling to a buyer with a 30 yo note the house brings net income of $303/mth and a 12% COC return.