It just seems to me if with the 3 properties tied together, if it's possible to find a way to structure them to maximize a loan. 

For a CPA who specializes in short-term rentals (STRs) and does more than just file your taxes, meaning they help you with strategy, planning, tax filing, and tracking your participation, a yearly fee of $3,500–$5,000 is typical and fair, especially for one property.That price should include:- Helping you qualify for the STR loophole, so you can deduct losses against your W-2 income- Tracking material participation hours (like the 100-hour or 500-hour rules)- Advising on bonus depreciation and cost segregation to maximize deductions- Choosing the right tax classification (Schedule E vs.

This election can be used alongside bonus depreciation where applicable.Example Incorporating Both Pre- and Post-OBBBA PropertiesSuppose in 2025 you place two commercial properties into service:Property A: Placed in service on January 10, 2025 (before January 19 cutoff), eligible for 40% bonus depreciation under pre-OBBBA rules.Property B: Placed in service on February 1, 2025 (after January 19), eligible for 100% bonus depreciation under OBBBA.In your 2025 tax return, you can claim:40% bonus depreciation on Property A, and100% bonus depreciation on Property B.Further, you can bonus depreciate as many qualifying properties as you place in service in 2025 or later, maximizing your first-year expensing benefitsThis post does not create a CPA-Client relationship.

If you are willing to explore those drastic changes - sure, an experienced tax professional like myself and my colleagues on this forum can help.But if you're hoping that somebody will teach you "secrets" of how to reduce your taxes in your CURRENT (W2/LTR) situation - there're none, outside of general tax planning like maximizing your retirement contributions etc.

One of the best ways to maximize your rental income is by staying ahead with consistent market research.

Business interest deduction increasedThe formula changed from EBIT to EBITDA — meaning you can now deduct more of your loan interest.HUGE win if you're using leverage (BRRRR, multifamily, or syndications especially).If you're buying, renovating, or refinancing this year, make sure your loan and ownership structure set you up to maximize these deductions.Let's help each other build smarter in 2025

In deals like this, it’s important to balance maximizing rent with keeping the relationship sustainable, since these companies often want stable, long-term leases without too much turnover or hassle.

Maximized rent potential – We’ve found that when we self-manage, rents stay closer to market rates.

Make sure you do a proper cost segregation or work with a tax advisor to maximize your depreciation correctly.House hacking:Great strategy to cover your mortgage!

@Micah White hit the nail on the end on the real estate end.On the personal finance end, look to save as much as possible for your down payment plus reserves and then look to house hack your property. for real estate, listen to real estate podcasts and maximize your VA loan.