Leave you with one last question: Does your reports from any software tie in to exactly your tax return? 

That’s an infinite return on my investment.

Affordability is tough here, and I feel like I'm in a push/pull between cash on cash return and long term ROI (including appreciation).

As a Quote from a CPA says, “SDIRA can be a great way to increase flexibility and get higher returns with retirement money"That’s a fancy way of using your IRA to get rich.Maybe your IRA has been sitting there getting hammered by the stock market and you've had enough of that.

That means they’ll review your credit score, income, how leveraged you are across all your properties, your previous year’s tax returns, and your current-year financial statements to see whether your rental portfolio or business is actually profitable.They’ll also consider your debt-to-income ratio, how much cash reserves you have, and whether the property itself is generating positive cash flow.

Im involved personally in other similar syndications and they are doing well with positive monthly returns and real audited financials that show year over year gains.

Expected return was 15%?  

Not exactly, and do you really want to take the risk on your tax return?

If you don’t pay it back, your death benefit shrinks.Low returns – We’re talking maybe 3–5% long-term.

Over the course of the year, it would be over 60% return and still cooking for many years after.