You can also lock in sec 121 500k capital gain exclusion by selling this to your privately owned corp.

It takes some adult interpretation to put things into reality context such as there is no such thing as "free".

Hello @Noa Lukela,A good question.Our business isn’t quite like others—we exclusively work with investors.

Your points on hiring are valid and although some would say woe is me, you still have a chance, I actually understand it as a parent of two adults.

As you grow, you’ll want to understand how different types of rental properties interact with your income, especially the difference between passive and non-passive income from a tax perspective.There are also some unique tax benefits and deductions available since you’re in the military; it’s worth looking into how your service benefits and possible home exclusions might work with the type of real estate you invest in.Understand the STR loophole and active participation as both can save you taxes.

The concern you mention is not exclusive/specific to househacking.

If you meet sec 121, you can sell the PR to your privately owned crop and still keep it as a rental to benefit from Section 121 capital gain exclusion.

(Note: variable rate; watch DTI.)Cash-out refi: one fixed payment, simpler, but you reset your low rate on the whole balance—often a deal-killer in today’s rates.Consider a delayed cash-out after it’s rented if you need more capital later.3) Tax angles (high level):Converting to rental starts depreciation; great for sheltering rent.If you might sell soon, the §121 exclusion (up to $500k MFJ) can be powerful; after conversion, timing and “non-qualified use” rules matter.Interest tracing: HELOC interest is only deductible against the use of funds (e.g., rental improvements yes; new primary down payment, no).Always best to consult with your CPA to run your numbers, so you can choose with confidence.

If the property becomes a legal duplex or triplex, your depreciation basis and deductions increase, but you’ll face partial recapture tax at sale and can only claim the home sale exclusion on the part you live in.Overall the property offers solid long-term tax potential but requires careful planning and accounting.

- But these are not mutually exclusive.