If you pay off your loan, your "return" on that cash is 8.5%. 

You’ll still need to pay tax on depreciation recapture from the period it was rented.If you sell after March 2026, you’d lose the exclusion and the entire gain would generally be taxable.Oregon doesn’t impose an extra “penalty,” but it does follow federal rules pretty closely—so you’d owe state income tax on any taxable gain that isn’t excluded federally.In short: sell before March 2026 to qualify for the exclusion, and plan for some tax on the depreciation you took while it was a rental.Perfect advice, right on the money! 

So, if this tenant is going to do stuff legit I would want them to do all this stuff through the city, permit it and then have a contractor that I select do the work, and have an agreement they pay for it and pay for it to be converted back when they move out. 

Hard money might be the more predictable route for bridging the gap.When you make an extra $60,000 for each creative financing deal, instead of losing $10,000 in fees for Hard Money for each deal, well If you can't do the math . . . 

Because I would pay on the 50 at rate of the 30, and reap the benefits of extra landing on principle "hacking" the amortization curve. 

.: $80,000 per duplexActual: $807,000 total– $161,404 per duplex– $80,702 per unitEvery dollar over budget came from me—no extra bank funds.

8) Why wouldn't a PMC charge for the extra work evictions require?

. - 1564/monthwater bill - $200repairs $300/month bookmarked (sometimes more, sometimes less) taxes 50 a monthinsurance 120 a monthgross income- $4600net income - $2366/ mo or 28,392/year. 81% CoC returnI will not pay off the loan early.

High paying job and need to start deploying investment money and offset taxes. 2.

@Andrew Postell if you don’t claim depreciation you STILL have to pay depreciation recapture when you sell as if you did.