You might consider getting a second opinion from a CPA who specializes in real estate investing, especially one who understands REPS, STRs, and passive activity grouping rules.This post does not create a CPA-Client relationship.

They do not in general look at the investment quality of the property.I suggest you post your underwriting to have more experienced eyes on the underwriting.  

He's on BP, you can look him up because I can't post his email address. 

Even if it's not directly posted by Freddie, maybe a loan servicer?

Originally posted by @Ann Thompson:Realty Doctors - property purchaseRealty Medics - property management I will not be doing future business with either.

Back in 2018, I was posting nearly every day.

But here’s how each scenario could look from their eyes: If they see it as income:You could be liable for income tax on the $250K credit.They’ll want to know why you got $250K for “free.”If they see it as a purchase price adjustment:If properly documented, this could just reduce your cost basis in the property (not taxable).But it must be treated as a price reduction, not a side payment.The contract price would need to reflect that somehow, which your lender doesn’t allow.If you use it all for capital improvements:If you document every dollar spent on legitimate property improvements, it strengthens the argument that this was not income, but an adjustment tied to construction costs.Key Protections You Must HavePaper TrailDeposit from you to builder Addendum signed with builder Transfer from builder back to you (post-closing) 👈Document this clearly and tie it directly to a “construction credit.” 

This post does not create a CPA-Client relationship.

I'm not sure if this is the place I would post this but I'm doing some creative deals and I'm curious if anyone has a suggestion to build a buyers list for contract for deed/executory agreements or other seller-finance type deals?

Thank you for your post.