We'd rather keep everyone happy and aligned on getting to that closing table!

I can technically do rate/term refinances up to 85% LTV as well as use STR AirDNA income projections on a DSCR loan, which sounds like there may be some alignment with what you're trying to do.

So holding this property aligns more with that goal, as opposed to paying the 20% capital gain tax. 

Both of these investing markets have a component of sociology. 

.🧭 Who This Strategy Is For✅ Builders✅ Investors✅ Homeowners who want to build and sell off a portion of their lot✅ Families who want to share land across generationsThis strategy works beautifully for:Urban infill lotsCorner parcelsDeep lots with alley accessRedevelopment opportunities in high-demand zones📋 What You’ll Need to Do ItTo condo a project, you’ll need:A platting & condo attorneySurvey & site planA simple HOA agreementMarketing that attracts owner-occupants or mission-aligned buyers💥 The ImpactCondominiumization isn't just about making more money.It's about:Creating attainable ownership in a high-cost marketSupporting gentle density that fits the neighborhoodHelping Washington achieve its housing goals without high-rises or sprawl

Set reminders and nurture relationships over time.Final Thought Momentum builds when systems, consistency, and follow-through align.

My ML model then analyzes available property listings combined with market data (crime rates, appreciation trends, school scores, etc.) to recommend properties that align with the user’s goals — cash flow, growth, or safety.I’m trying to be extremely careful to ensure that my system does not cross any legal lines, especially with regard to Fair Housing laws or algorithmic bias concerns.While the model doesn’t discriminate on protected classes (race, gender, etc.), it does consider factors like crime rates, school quality, and local economics — all of which can indirectly overlap with sensitive social patterns.

Since you're living in one unit and renting the other three, with separate tax bills, utilities, and addresses, you have a solid argument to treat the rental portion as a distinct investment property eligible for bonus depreciation.Here's how it works:You can only depreciate the rental portion (3 of 4 units).A cost segregation study can identify components (e.g., flooring, HVAC, appliances) eligible for accelerated and bonus depreciation.The unit you live in is not depreciable, but the others qualify for full investment property tax treatment.However, to use the losses against your W-2 income, you’ll need to qualify under Real Estate Professional Status (REPS) or the Short-Term Rental (STR) loophole.

And like any strong partnership, trust and alignment are everything.The truth is, when there’s clarity up front, magic happens.

Always make sure the loan-to-value ratio (LTV) aligns with your risk tolerance (usually 60-70% for fix-and-flip loans).Once you're prepared with contracts and a local network, you can start talking to borrowers and agents to find opportunities.