*A few small habits — separate accounts, clean books, and talking to your CPA before year-end — can make a massive difference.Taxes aren’t about loopholes or tricks.They’re about getting organized early and using the rules the way they were written.Curious — when do you usually meet with your CPA?

@Craig A.Hi Craig,I know the rules in Florida.  

The loan approval covered 90% LTC and 100% of the rehab costs, which was a fantastic opportunity to benefit from full financing.

You can still find properties in the $120–180K range that hit the 1% rule, which really helps newer investors scale faster without needing huge capital upfront.

A detailed lease that outlines rules, fees, and maintenance responsibilities keeps everyone on the same page.Ignoring preventative maintenanceLittle issues become big ones fast.

For an investment‑property HELOC, shop local banks and credit unions; ask about interest‑only periods, draw‑as‑needed, prepayment fees, max LTV, and seasoning rules for the refi.

This means I get a ton of applications but Zillow also makes it easy to deny and sends them the denial letter which is fantastic in my opinion.

A 50‑year mortgage boosts paper cash flow by stretching payments, but you trade it for far more total interest, slower equity build, and likely tighter prepay rules; that only makes sense if you’re buying a true cash‑flowing asset and need the lower payment to clear DSCR or reserves.

Areas such as aging, medical issues that come with aging like diabetes, dementia, and Alzheimers, networking and marketing, leadership and staff management as well as working with insurance companies on collection of payments if you accept insurance, and how to be compliant with state rules and laws with regards to residential assisted living. 

I just helped a friend close on a short term rental/second home/retirement property close to Clearwater, and there are some very specific rules around the Tampa area.