Over time of ownership they average out to the 50 to 60% costs.

I think we have to determine this before we can attempt to understand the new concept of "Institutional Crowdfunding".It sounds like Institutional Crowdfunding of Loans is just a new name for the same old players but may now include Hedge Fund Operators that have made themselves "accredited" and without "accreditation" you can not participate in buying into your slice of the Institutional Lending Pie?

First, you need to determine what the highest and best use of the property is.

The seller doesn't have title insurance from when he bought, and doing this would eliminate any future exposure the seller might have to claims prior to his ownership.

Will this type of ownership (land trust) cause me any headaches when I try to foreclose?

. . .1) a 60 year old house in dated but reasonably good condition is purchased for 75K2) the insurance agent's system determines that the correct replacement cost value for that square footage in that location is 190K3) it's insured for 190K, but with Actual Cash Value coverageWhat amount might be paid by the insurance company if it was a total loss shortly after it was purchased?

Have you really explored your market to determine what values are and is your market going up or down?

We went through this with since our SDIRA is between 3 'prohibited parties', but we ARE allowed to do this but we can NEVER change percentage of ownership etc....What I am wondering for these possible up coming deals is this; Can we mix funds by say using an LLC that is owned by one or more (currently 3) SDIRAs for the down payment of say 25%, lets say 100K.

You'll need to determine exactly what it is and plug in the correct number;3.

The specifics on seller financing have yet to be determined.