The 27.5-year structural components do not.For example, if a study reclassifies ~$150K combined across both properties into short-life assets, a large portion could be deducted immediately under the bonus rules tied to those original service years, with the remainder depreciated over 5, 7, or 15 years instead of 27.5.

If you don’t need the capital and the unit is structurally solid, fixing and renting often wins on a long-term wealth basis.

​Loan structure can influence reserve requirements, renovation timing, and long-term maintenance planning.​​Property managers: how much does financing affect your operational decisions day-to-day?

@Arman Ahmed The audit protection alone is worth considering, and when a property runs negative on paper, the tax savings from a well-structured study can help smooth things out.

Also, connecting with experienced investors through meetups, forums, or local networking groups can give you insight into deal sourcing, raising capital, and structuring partnerships.

For long-term holds, we structure debt with survivability first, optimization second.A few core principles we follow:1.

There are a handful of lenders/partners that will still look at smaller balance DSCR deals if the numbers and condo structure make sense.Happy to compare notes or point you in the right direction if you’re still working through it.

If so, how are you structuring pricing and expectations?

Having been through many different investing strategies and cycles over the years, I’ve found that adapting structure and staying disciplined with underwriting allows you to keep moving forward, even as conditions change.

Get a structural engineer's assessment before closing if you haven't already.Given your track record with cash purchases, you clearly know the Cincinnati market.