I was told by the bank that there is a federal law which requires banks to ensure that all deposit accounts remain active, and that is why my bank imposes this "inactivity fee".Is this accurate?

My hope is that over time, some other ventures that the LLC  is gettinginto will start to pay off those debts.Naively I though that profits and losses were not passed on to the members of the LLC until there was an official disbursement.Apparently not so, it appears the losses are passed through to the share holders of the LLC in the same ratio as the percentage of their share ownership in the LLC.For tax purposes, the loss reported on my K1 shown on my Federal and state taxes, only records the loss, as there is not enough income to offset it.  

Thank You @John Woodrich@Josh Cook There are multiple factors that affect your price, but with a 750 Fico & 5% down conventional duplex with a purchase price of 290,900 and a loan amount of 276,355 A rate of 4.5% would result in a Zero lender fee situation with a substantial lender credit toward non-lender closing costs such as appraisal, title, government recording, taxes, etcI cannot legally post rates on this board without invoking federal advertising laws but I will send you a collegue request with 4 rate options ranging from 4.25%-3.875%.

If you're looking for something purely local, I would suggest Mission Federal Credit Union.

I am 24 years old and a CPA, currently employed by one of the big accounting firms, mostly specializing in international and federal taxes.

@Connor ParsonsTo learn about what is considered self-employment activity for participating in a solo 401k plan, please see the following. https://www.irs.gov/businesses/small-businesses-se...Following are the similarities and differences between the solo 401k and the self-directed IRA.The Self-Directed IRA and Solo 401k SimilaritiesBoth were created by congress for individuals to save for retirement;Both may be invested in alternative investments such as real estate, precious metals tax liens, promissory notes, private company shares, and stocks and mutual funds, to name a few;Both allow for Roth contributions;Both are subject to prohibited transaction rules;Both are subject to federal taxes at time of distribution;Both allow for checkbook control for placing alternative investments;Both may be invested in annuities;Both are protected from creditors;Both allow for nondeductible contributions; andBoth are prohibited from investing in assets listed under I.R.C. 408(m).The Self-Directed IRA and Solo 401k DifferencesIn order to open a solo 401k, self-employment, whether on a part-time or full-time basis, is required;To open a self-directed IRA, self-employment income is not required;In order to gain IRA checkbook control over the self-directed IRA funds, a limited liability company (IRA LLC) must be utilized;The solo 401k allows for checkbook control from the onset;The solo 401k allows for personal loan known as a solo 401k loan;It is prohibited to borrow from your IRA;The Solo 401k may be invested in life insurance;The self-directed IRA may not be invested in life insurance;The solo 401k allow for high contribution amounts (for 2017, the solo 401k contribution limit is $54,000, whereas the self-directed IRA contribution limit is $5,500);The solo 401k business owner can serve as trustee of the solo 401k;The self-directed IRA participant/owner may not serve as trustee or custodian of her IRA; instead, a trust company or bank institution is required;When distributions commence from the solo 401k a mandatory 20% of federal taxes must be withheld from each distribution and submitted electronically to the IRS by the 15th of the month following the date of each distribution;Rollovers and/or transfers from IRAs or qualified plans (e.g., former employer 401k) to a solo 401k are not reported on Form 5498, but rather on Form 5500-EZ, but only if the air market value of the solo 401k exceeds $250K as of the end of the plan year (generally 12/31);When funds are rolled over or transferred from an IRA or 401k to a self-directed IRA, the amount deposited into the self-directed IRA is reported on Form 5498 by the receiving self-directed IRA custodian by May of the year following the rollover/transfer.Rollovers (provided the 60 day rollover window is satisfied) from an IRA to a Solo 401k or self-directed IRA are reported on lines 15a and 15b of Form 1040;Pre-tax IRA contributions on reported on line 32 of Form 1040;Pre-tax solo 401k contributions are reported on line 28 of Form 1040;Roth solo 401k funds are subject to RMDs;A Roth 401k may be transferred to a Roth IRA (Note that from a planning perspective, it may be advantageous to transfer Roth Solo 401k funds to a Roth IRA before turning age 70 ½ in order to escape the Roth RMD requirement applicable to Roth 401k contributions including Roth Solo 401k contributions and earnings.)

If you went into Canton or Federal Hill it can be substantially higher or even double that estimate.

State inspection supersedes county and federal supersedes state.

With the previous mayor Julian Castro's tenure in federal government, the city has seen an influx of funding for its ten-year Downtown revitalization plan as well.

In February there is a 12 noon meeting every Wednesday @ Duffys restaurant on federal in Deerfield.