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.

That’s really the key for us, just getting it leased up and ready for that permanent debt.For our upcoming 86-unit build-to-rent community, we’re planning to include front-yard landscape maintenance and then charge it back to tenants.

2025 is shaping up to be one of the biggest years for real estate tax planning.The new tax bill quietly changed a lot — some great news, and a few traps to watch out for.Here are the big ones investors should know:1. 100% Bonus Depreciation is back — permanently.

-Use S-Corps for active income only.That’s how the wealthy keep their strategies clean and scalable.Step 3: Why 2025 Made S-Corps Even StrongerThe 2025 “One Big Beautiful Bill” permanently locked in several huge advantages for S-Corp owners:- The 20% Qualified Business Income (QBI) deduction is here to stay for pass-throughs.- Interest deduction limits are back to EBITDA-based — allowing bigger write-offs for business financing.- And pass-through entities like S-Corps continue to enjoy lower effective tax rates than C-Corps.Combine that with self-employment tax savings, and it’s easy to see why most successful flippers, agents, and wholesalers use this setup once income grows.Example (Simplified)Say your wholesaling business nets $200K this year:Without S-Corp:You pay 15.3% self-employment tax on $200K = $30,600With S-Corp:You take $90K salary, $110K distributionSE tax only applies to the $90K salaryYou save roughly $16K–$18K per year in payroll taxPlus, the 20% QBI deduction on part of your incomeThat’s money you can pour right back into scaling — the real secret to how wealthy investors accelerate growth.The Rental Reality CheckIf that $200K were from rental income, though?

One of these days he will hustle the wrong individual and he will find himself in a permanent horizontal position.

Now I permanently avoid 2/4yrs or 50% of that $60k I would have owed.

The Cash value of any permanent Life insurance policy can be leveraged.

The tax extension proposal includes bonus depreciation to be extended or possibly permanent and revert back to the full 100%. 

Hi @Elon Hayon,Since all the nearby homes have standard garages, rebuilding a permanent one will likely help your appraisal more than a prefabricated option.