In return, it was great practice for me. 

Clear communication upfront and practical solutions for hauling will help prevent issues down the line.

Hi Drew,Thank you so much for taking the time to share all of this — I really appreciate the detailed insights and practical advice.

Some lenders do not disclose if it is a business purpose style lender, however it is always good practice to send a  broker provided loan estimate in writing, regardless if the lender follows this procedure or not..

Hey @Zaid Jara, from my experience, the best thing you can do right now is start analyzing deals just for practice.

Appreciate your thoughtful and practical responses.

In practical terms, even if borrowing becomes cheaper, the underlying expenses tied to owning a home remain elevated.

Looking for practical experience and legal/structural suggestions from Texas investors.

That means more of your cash stays in your business, not the IRS’s pocket.For many buyers in this market the ability to offset income and reinvest tax savings is a major advantage — and it strengthens your underwriting.Since STRs have strong appeal (friends & family groups, weekend escapes, high-end amenities) the sooner you position it as a business, the better your financial outcome.Your Step-By-Step Playbook for Cost SegregationHere’s a practical checklist to make cost segregation work for you in an STR:Buy/underwrite with tax strategy in mind: When you evaluate a property, include cost segregation as part of your operating model (not just nightly rate and occupancy).Engage a cost segregation specialist: You’ll want a qualified provider who understands STRs (they’ll allocate assets into proper shorter lives, document everything).Structure operations for “business” treatment: Track participation (guest communication, property maintenance, marketing) to lean into non-passive income treatment.Conduct the study early: Ideally in the year you take service (purchase or major renovation) so you front‐load benefits.Keep detailed records: Invoices, improvement costs, design/furnishing upgrades, hours spent managing.

Lawyers generally dont give advice on how to circumvent lenders :)As for practical advise if the insurance is in the monthly payment then just keep paying .