Verify rents with two local PMs, use a low‑down owner‑occ loan, and keep scope to light value‑add you can finish quickly.

The study breaks your property into parts with shorter depreciation lives, things like flooring, lighting, and appliances, so you can write those off faster instead of over 27.5 years.Even though you bought in 2020 and 2021, you can still do this retroactively by filing Form 3115.

Useful only if the deal still cash flows and you control the exit. 100% financing spikes risk because small misses kill profit; I’d use it selectively on tight, light value‑add with verified ARV, multiple exits, and a clear refi or sale timeline.

Personally, I would tread lightly with that line of thinkingThe best solution to me would be to contact the tenants to see if any of them are willing to move and compensate them to do so.  

In this region, long-term rentals and light-to-medium rehab flips are still solid entry points, especially if you can partner with people who know the local markets.

I would look at each business as a different business instead of trying to group them.Therefore, look at the property management company and look at how to make it most efficient.Look at the Property lighting business and look at how to make it most efficient.Then look at the real estate business and see how you can make it most efficient.You would want to see if you can claim real estate professional status.Best of luck.

Line up an investor‑friendly lender who knows VA/FHA house hacks, a PM to verify rents, and a contractor for light turns.

Use Cost Segregation to Fast-Track DeductionsIf you own a high-value Airbnb property, a cost segregation study can help you accelerate depreciation by separating short-life assets like flooring, furniture, lighting, and fixtures.Combine that with 100% bonus depreciation (for assets purchased after Jan 19, 2025), and you could wipe out tens of thousands of taxable income in your first year of ownership.This is a huge reason many top Airbnb hosts pay far less tax than you’d expect — they’re not just listing smart, they’re structuring smart.5.

Will see condition of the property when they check out before green lighting a longer term stay. 

While you stack savings, trade sweat for equity (find the deal, manage a light rehab, or handle books) and learn to raise private money with a one‑page story, clean numbers, clear protections, and steady updates.