That’s an important distinction because your end buyer’s bank likely won’t include that fee in the loan, which means your end buyer will have to come out of pocket to pay it.

As a novice in this market segment, I have ZERO issues with partnering with a more experienced investor, and giving up a sizable portion of the deal in order to acquire it, and then refinancing them out once I am eligible to do so with the property in our possession.

In all of my research there are mixed feelings on whether or not there is a huge crash coming in this segment.

I find many of my clients like that I also invest in all market segments, SFR(mostly), raw land, airbnb, small MF. 

Inexperienced or conservative investors do not grasp the concept that every property has two distinctly different income streams.

Why would GF spend 5 years losing millions of dollars/year to prove a concept (RECF to non-accredited investors) when ultimately that segment would make up less than 3% of the company's entire funder base in order to IPO? 

Are there any distinct advantages to one or is it more based on my credit score, debt to income ratio and down payment as to which may be more advantageous at the time of purchase?

welcome to BP's Lisa. we are in Lakewood, and carry the distinction of being the longest running newbies on the forum. best of luck

@John Woodrich There is a distinction between true cash flow and artificial cash flow.

Deductible SEP-IRA contributions are distinct from depreciation - while depreciation represents "paper losses," SEP-IRA contributions represent real changes to to your business and personal cash-flow; the money contributed to a SEP are real dollars that can only be used by the SEP.