Shopping insurance renewals and hail and wind deductibles are set at 5%.  

Sometimes it’s very specific.Have your broker shop carriers that regularly insure 2–4 unit properties, not just single-family converted policies.Make sure the policy form matches the property type (DP vs. commercial package can matter).Confirm replacement cost language and roof settlement terms.For 4-plexes, many owners end up with carriers that specialize in landlord or small multifamily policies rather than standard homeowners insurers.The deductible strategy (like not filing under $10K) is fine from your side, but the lender’s concern is worst-case structural loss — not minor claims.This is usually a wording and carrier fit issue, not a red flag on the property itself.

Here’s a strategy I’m always surprised more real estate investors don’t use:If your children legitimately work in your real estate business — things like:social media / content helpprepping a property (cleaning, staging assistance, organizing supplies)admin support or basic bookkeeping tasks…you can pay them a reasonable wage for real work.And that wage becomes earned income, which means they can contribute to a Roth IRA.So you’re doing two things at once:Reducing taxable income in your business (because wages are a deductible expense), andHelping your kids start building tax-free retirement wealth early.When a Roth IRA starts young, the compounding is no joke.

As a long-term investor with multiple properties, I approach cost segregation as a strategic tax planning tool, not just a deduction.

Just keep in mind his unpaid labor isn’t deductible.

. - Open ended loan- Interest rate can change (several brokerages offering 5% and lower right now)- Amount varies depending on how much you have invested - Interest rate also varies with how much you have invested and changes with marker rates-Margin interest is tax deductible Why would I take a hard money loan when I can use margin?

Not worth the cost of the study since it did not accelerate the regular 27.5-year depreciation.By contrast, another investor's $12,000 study on a recently renovated $3.8M office building yielded first-year additional deductions worth over $120,000 in tax benefits - a clear home run.The quality of the engineering team matters tremendously.

Accelerated and cost-segregated depreciation are tax deductions for other tax liabilities.

Of course if they ended wanting me to do the work, I would deduct the estimate price off the total.

If you make below $150k you may be able to deduct some rental losses.