First, there are almost no options for permanent financing on a manufactured home (MH) when it won't be a primary residence.

The 2025 Law Just Made STRs Even More AttractiveThe 2025 Beautiful Bill permanently restored 100% bonus depreciation for qualifying property purchased after January 19, 2025, and kept the 20% QBI deduction for pass-through businesses like active Airbnbs.So, if your STR qualifies as a business, you can:Write off furniture, décor, and appliances right awayTake 20% off your qualified incomeCombine depreciation and deductions to potentially eliminate most taxable income altogetherThe Bottom LineRunning an Airbnb or short-term rental isn’t just about bookings — it’s about strategy.If you treat it like a real business, document your time, and use the right tax structure, you can: Accelerate your deductions Offset your W-2 or active income Build long-term wealth fasterThe difference between an average host and a tax-smart investor can literally be tens of thousands of dollars per year.Your Turn:Are you currently running an Airbnb or planning to start one in 2025?

For bigger deals, combining private/permanent lending is becoming key.

.✅ Faster ROI → Those tax savings often fund your next deal.Example:Buy a $500,000 rental property.A cost segregation study finds $100,000 of assets eligible for 100% bonus depreciation.That’s a $100,000 deduction in Year 1 — easily saving $30K+ in taxes depending on your bracket.That’s money you can use to buy another property — or pay zero tax while you build equity.The 2025 AdvantageThe Beautiful Bill of 2025 made cost segregation even more valuable:✅ 100% Bonus Depreciation is back permanently for qualified property purchased after January 19, 2025.✅ More flexibility in allocating interior improvements and land improvements.✅ Better timing for high-income investors looking to offset gains or active income.If you’re planning to close on a property this year, timing your purchase after that date could mean tens of thousands in bonus write-offs.When It Might Not Make SenseLike any tax strategy, it’s not one-size-fits-all.Avoid it if:You plan to sell the property quickly (depreciation recapture will come back).Your income is too low to benefit from large deductions this year.The property’s cost is small (under ~$200K), since the study cost might outweigh the savings.But for larger portfolios or active investors with strong income, it’s a no-brainer.The Bottom LineCost segregation isn’t some hidden loophole — it’s one of the most effective, IRS-approved ways to accelerate tax deductions and build wealth faster.If your property is purchased after January 19, 2025, you can take advantage of 100% bonus depreciation again — meaning faster write-offs, stronger cash flow, and more money compounding in your portfolio.✅ Own rentals or commercial properties?

The final version of the bill includes some major wins for real estate investors including:A permanent extension of lower individual tax ratesAn enhanced and permanent qualified business income deduction (Section 199A)A temporary (five-year) quadrupling of the state and local tax (SALT) deduction cap, beginning for 2025Protection for business SALT deductions and 1031 like-kind exchangesA permanent extension of the mortgage interest deduction⚡️ What’s else is Back? 

This allows you to take advantage of bonus depreciation, though remember it is generally a one-time tax deferral rather than a permanent benefit.

Most traditional lenders will only approve you for a mortgage if you have permanent citizenship with a Green Card, or temporary citizenship with H1B status.

@Sushil Gupta,US Space Command is permanently relocating there which is set to bring in 1500+ jobs to the area and subsequently increased housing demand.

Certain types of permanent life insurance, like whole or universal life, that build cash value over time, can sometimes be borrowed against through a policy loan, giving you liquidity for things like a down payment without triggering a taxable event.I’d explore a few different paths before making a move with a financial advisor and your CPA.

-FHA (primary/entry-level) home loans to non-permanent immigrant residents have cratered.