If we're assuming an 8% rate with traditional financing, and a loan of 500k, then:The better terms of the seller giving you 5% for 7 years is worth about 63k, and 4% for 5 years is also worth about 63k.

With self directing somebody can make a traditional contribution (get the tax deduction), invest in a non-public asset like a private loan or real estate syndication, then convert the asset from traditional to Roth with a discounted valuation.

Quote from @Kelly Schroeder: Seeing more investors prioritize cash-flow-based lending options over traditional income-based approvals.

As a real estate investor, knowing the differences between bridge loans and traditional loans can make a huge impact on your cash flow and project timelines.

We have had hosts on the platform since then that are continuing to do well and add units.

Padsplit is simply a technology platform.

Currently I have not used it myself but it seems like an interesting and creative way to increase cash flow vs the traditional rental. 

The conversation is actually the same whether you’re talking to a seller or an investor holding rentals, the pain points overlap.The pitch: “Have you ever considered renting to a professional STR operator instead of a traditional tenant?

I haven’t used the newer platforms yet on my deals, but the speed and transparency you mentioned definitely sound like real advantages — especially with how tight timelines can get here.I’m curious to see how these tools handle more complex assets, since that’s usually where traditional appraisers shine. 

Be mindful that this limit applies across all personal IRAs (Traditional plusRoth).