You end up stuck in the middle, trying to prove yourself to both sides at once.Then there’s the learning curve — every lender’s got their own quirks, terms, fees, and hidden rules.

I love algorithm based cost seg studies.

As you've stated, it's difficult to prove your tenants are the source of the weed smell.

No expediting unless you can prove genuine emergency.And right now?

You can take bonus depreciation on any property that has assets that qualify.So to answer your question, yes, you can take bonus depreciation on components of a house that is used as a MTR.However, what you may want to determine from a conversation with an accountant is whether the activity will be treated as active or passive.The next question would be, even if you can do a cost segregation study, would the added depreciation from bonus depreciation be beneficial.

The financial viability of the strategy is maximized when a Cost Segregation Study can allocate a high percentage of the purchase price to short-life assets (like furniture and fixtures), leveraging the current 100% Bonus Depreciation to create a substantial "paper loss" in the first year.To use the 100% Bonus Depreciation against your 2025 W2 income, the STR and its eligible assets must be fully "placed in service" by December 31, 2025.

Quick next step: pick one lane and make five targeted touches this week to special assets officers and PMs, asking for small one-off notes to prove you can close.

I’m licensed in over 25 states and have spent the last few months studying multifamily and creative finance strategies with the goal of building a portfolio that generates long-term cash flow and stability.I’m extremely motivated to start closing deals now — ideally multifamily or self-storage, though I’m also open to triple net opportunities down the line.

If you are accredited, please share your story of how you got there, I'm young enough to adjust my studies to try to make sure I get there too.

Quote from @Bryant Gowdy: Research and studying only goes so far it’s time to jump off the porch and get my hands dirty with the actual foot work and experience.