I've done it a number of times now, and it's been a nice tax break.

Hey @Stephen AlbertThe triplex is in a great area and it looks like it has some nice interior upgrades. 

Most investors focus on “price,” but smart investors focus on structure.A $10,000 discount looks nice on paper—but the impact on your monthly cash flow, debt service coverage ratio (DSCR), and approval odds can be underwhelming compared to the same amount in seller credits.Here’s why:A $10k price reduction might save you around $60 per month on a standard 30-year fixed loan.A $10k seller credit, used to buy down your rate, could reduce your payment by $140 per month or more.That’s more than double the savings—and it improves your property’s DSCR, which can be the difference between getting approved or not.In a world where every fraction of a percent matters, understanding how to allocate negotiation dollars is a hidden superpower.

It is nice to have a line of credit in the event that something hits the fan. 

You are using my absolute favorite method to get started- a VA mulifamiliy house hack is like jumping on an investing hyper speed train.

That's going to be a nice empire you'll be building here, Wayne.

Hey Nick, Would be nice to exchange on this topic!

These are also STR approved so the rents do more than debt service the mortgage they actually offer a nice NOI.

After realizing from others I’ve talked to that, like you said, there’s really no hard-and-fast method of calculating, I did do that.

Nice to meet you though.