I had a conversation with a loan officer and was told I need to put 20% down on the "rental" property.

Therefore, I think we should also plan to do a Roth Conversion Ladder on $19,049 (less than the $19,050 to still be in the 0% income and capital gains tax bracket) to minimize taxes paid on some of the 401K money.

Here are some recommendations for you:Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/usersSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingCheck out BP Podcasts: https://www.biggerpockets.com/podcastIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

I know I'm suppose to create a win win situation for me and them, and also add value to them but how do I bring that up in the conversation?

@Brian Gibbons Thanks for all the information I will start this conversation with the owner I would rather not spend money down but try give them a better offer.

That was because of conversations I had with him.

I have a couple of questions to get the conversation started:1) What social media platforms have given you your greatest ROI? 

@Joel Ortiz - The goal of a LOI is to start a conversation!

On the other hand, is this something that most folks end up having a conversation with their RE accountant/lawyer about?

(Chris, nice find on the Cervantes 4-Plex...if needed, you've got a great opportunity for an exit through condo conversion as well as a nice rental in a great area!)