This is a good, if a little sneaky, test of professional competence in the real estate niche.Yes, you described the correct solution to missed depreciation.

I can finance through the builder and get 30 years loan at 4.25% for 7 years and then adjustable with a max rase of 1% a year.They would also put 6k toward closing cost and also include all the appliances, and a few cosmetic upgrade.I know they are not flashy numbers but  I'm debating if I should pull the trigger or if I should just buy older house that need a little work.

One thing that helped us jump from 8% to 15%+ wasn't just better data - it was calling within 24-48 hours of pulling the skip trace.

I have also had a title agent pull recent solds for me, which included off MLS transfers. 

Once the property is renovated and rented, refinancing into a long-term investment loan or DSCR loan allows you to pull equity out and redeploy capital into the next deal. 

If you pull the money out and immediately move to another state, the lender could freeze the line or call the note.

Just remember it’s only a timing play—you’re pulling deductions forward into year one, which means less left in future years—and your ability to use them depends on passive activity rules.

The agents are sending me lots of properties and I'm pulling up the properties on a crime map and they are all in heavy crime areas.

I'm asking because I've been researching water damage in multifamily, and the numbers are brutal:- Average water damage claim: $17,000-$50,000- 14% of all multifamily insurance claims are water-related- Most leaks go undetected for 24-48 hoursI'm working on a solution—IoT sensors that detect leaks in real-time and alert you before they become $20k+ problems.

If I can find properties with built-in equity, then Option B may be possible for me.The idea is not to do a BRRR or pull cash out, but simply to:⁍ Use less cash upfront on deal #1⁍ Preserve capital so I can move faster on deal #2⁍ Refinance later to remove PMI and ARM riskBased on my rough math:⁍ Initial loan at 10% down ≈ $180k⁍ To refi at 80% LTV without bringing cash, ARV would need to be ≈ $225k⁍ Realistically, most near-turnkey deals won’t hit that, so I expect I’d need to bring some cash to refi⁍ Estimated "extra cost" for this strategy (PMI + higher interest for ~6 months) is roughly $1–2kSo my core question is:Does it make sense to intentionally accept a bit of short-term inefficiency (PMI, ARM, refi costs) in exchange for faster portfolio growth and better capital velocity early on?