My challenge with those guys is that interests are sometimes NOT aligned.

But most of us rarely have all three at once.When I started in College at 18 (Photo), I had time—but no capital and no skill.So I found mentors who had the capital and skill, but not enough time.I offered to cold call multifamily owners for them—and soaked up everything I could.A few years later, you hit that mid-career stage:You’ve built the skill, started building capital—but time becomes limited.Eventually, I see many people graduate to becoming lenders or passive investors—once they have the capital and skill, but no longer want to spend their time in the day-to-day.Your value shifts with each stage.The key is knowing where you are now, and who you should align with to grow.

I’ve tried to partner with a few close contacts who could leverage their credit to help secure lending, but unfortunately, the urgency hasn’t aligned.

While this smaller loss is less helpful in offsetting gains from the other property sale, unfortunately, it aligns with tax rules under IRC §1011 and §1250.Note: This information is for educational and informational purposes only and does not constitute legal, tax, financial, or investment advice.

Given that you and your siblings have equal funds and are looking for a shared investment, you’re already starting from a place of alignment—which is a huge advantage.

That's a necessary component. 

But they'll need to cash flow when you move out so they will all need a value add component, which means you'll likely need to do rehabs of some sort to make sure they aren't bleeding money. 

Your tax strategy should align with your investment goals—consult a real estate CPA to maximize deductions and minimize liabilities.This post does not create a CPA-Client relationship.

But clearly what they advertise and what you get is not at all aligned

Whether you're financing multifamily, office, or retail properties, these 10 strategies will give you the edge:1️⃣ Strengthen Your Borrowing ProfileLenders favor investors with strong liquidity, high credit scores, and well-documented financials—get your numbers in order before applying.2️⃣ Build Long-Term Lender RelationshipsThe right banking connections can unlock preferred terms, lower fees, and flexible financing structures not available to the general market.3️⃣ Shop Multiple Lenders—StrategicallyTraditional banks, private lenders, credit unions, and CMBS financing all have unique advantages—negotiating multiple term sheets ensures the best deal.4️⃣ Structure Financing to Align with Investment GoalsDon’t just settle for the lowest rate—consider loan covenants, prepayment flexibility, and amortization structures that maximize ROI.5️⃣ Leverage Debt Service Coverage Ratio (DSCR) StrategiesLenders scrutinize DSCR metrics—position your property’s income to ensure strong debt service coverage and better financing terms.6️⃣ Stay Ahead of Interest Rate & Market TrendsUnderstanding Fed policy shifts, cap rate compression, and liquidity cycles can help you time financing decisions strategically .7️⃣ Explore Alternative Lending ChannelsPrivate lenders, family offices, mezzanine financing, and SBA loans can offer competitive solutions for unique investment structures.8️⃣ Optimize Loan Exit StrategiesInvestors should structure loans with refinancing flexibility, equity release opportunities, and clear exit strategies to maximize leverage.9️⃣ Navigate Complex CRE Loan StructuresInterest-only loans, CMBS options, bridge financing—custom solutions can optimize cash flow and returns for high-net-worth investors.🔟 Close Deals EfficientlyWhether you’re a CRE Broker, a property owner or borrower, streamlined execution and proactive problem-solving ensure deals close smoothly.🚀 What strategies have helped you secure the best CRE loan terms for your clients?