I have called numerous Mortgage brokers but all work with non-investors/primary homebuyers.

As long as you meet the requirements of the 121 exlclusion and lived in the property for two out of the previous five years of owning it as your primary residence.

Hello, I have moved to a residence and plan to turn my old primary residence as short term rental to take advantage of the 100% bonus depreciation in the year of 2026.

Do HOA bylaws typically override the original intent of purchase (investment vs primary residence)?

Quote from @Samuel Coronado: Quote from @Erik Estrada: Quote from @Jefferson Black: Quote from @Dave Skow: @Jefferson Black- thanks ..based on the post I am not sure if the MH is your primary home or an investmenet property ?? 

Once people start doing 3–4 deals at once the biggest shift is realizing capital flow matters more than rates.What I see most operators doing is a mix:• One primary lending relationship for speed and consistency.

Equity sitting in your primary residence is basically dead capital earning you nothing.

BP Friends - We built a detached ADU from scratch on our primary residence and placed it into service in Jan 2025 as a short-term / mid-term rental (Airbnb + VRBO).

Our primary is with American family. 

Sold it in 2022 for 435,00 and purchased my current primary residence.