But, the market is still strange and it's hard to make the math work outside of the tax savings.

.: Did you know that if you buy a $400,000 property . . .In a typically bank financing scenario you put down 20% or $80,000 and finance $320,000 for 30 years the Principal and Interest at 7% is $2,129 and over 30 years you pay $766,428 (the bank loves you)BUTif you take over a loan using a Wrap (Wrap To, it takes about $15,000 in costs) and take over the existing mortgage at 2.5% that was taken out 2 years ago your payment Principal and Interest is $1,264 ($865 a month less) and over the remaining 28 years pay $447,894 (you get to keep the difference)That's a savings of $318,534 Three times a Year!

When the property is sold, the depreciation recapture rules will apply, reducing your tax basis and potentially increasing your taxable gain.This sounds like it is straight out of chat gpt and does not answer my question. 🤣  Completely agree

Larger properties allow cost segregation and bonus depreciation, offering major tax deductions.

This reminds me of a saying:"Stepping over dollars to save dimes"

Look at how the property is structured, is it in a nice neighborhood, do they have an HOA, or would the neighborhood / local municipality like you being there or tax you more?

All of your debt is 6% or less, and tax-deductible.

If you are wanting to save up for a down payment there's a couple options from your backstory.

I carry enough in savings to cover the mortgages.

I would focus on ease instead of interest rate.Just use the same bank where you normally bank with and just create another account.I.E. if you bank with JP Morgan Chase, just create another personal account and just run transactions with that account.I would also create an online storage account where you can save your receipts.