That’s where Cost Segregation comes in — a proven, IRS-approved tax strategy that lets real estate investors accelerate depreciation and unlock massive deductions early in ownership.And with the 2025 “One Big Beautiful Bill” bringing back 100% bonus depreciation for qualifying property purchased after January 19, 2025, this strategy just became even more powerful.If you own or plan to buy a rental, multifamily, or commercial property this year, this could be your fastest way to boost cash flow — without raising rent or cutting expenses.What Cost Segregation Actually IsNormally, when you buy a property, the IRS makes you depreciate it over:27.5 years (residential) or 39 years (commercial).That’s a long wait.But a cost segregation study breaks your property into smaller parts — flooring, cabinets, lighting, HVAC units, parking lots, landscaping, etc. — and reclassifies them as shorter-lived assets (5, 7, or 15 years).Then, thanks to the 2025 tax law, anything purchased after January 19, 2025 that falls into those categories can qualify for 100% bonus depreciation.Meaning: you can write off the cost immediately. 

Some guests may not mind minor disruptions if they know in advance.From a tax perspective, turning the main house into a short-term rental before selling could be a good move, it allows you to claim bonus depreciation and other STR deductions if you materially participate.

We are offering a 2% bonus on top of the existing pay structure or terms, which means that instead of 12% or 15% per year paid monthly, it will be 14% or 17% interest paid monthly on those promissory notes,” ( Link ).Translation?

This is the one big bonus and perk.I still need to do the property inspection but I was thinking of asking for sellers credit for this situation.

Bonus Depreciation is in its scheduled phase down which started in 2023, where the percentage you could take of the Bonus Depreciation decreased to 80%, and has been decreasing 20% ever since, currently at 40% in 2025.

Generate reports to easily see how your properties are performing, all within a user-friendly interface.Peace of Mind with Banking: The FDIC-insured banking features with high-interest rates and physical debit cards are a huge bonus.

The one time special that we offer to everyone who is signing up to our program is the following: "If you deposit $500 today, we will add $250 bonus". 

(Plus, bonus: getting that experience will give you more marketable skills to bring to the table, which will be critical for any mentor/mentee relationship--this has been discussed a lot in the forums, so I suggest reading up on that)....now on to the question of how to get started...2.

You’re in a great spot with lots of options.From a tax perspective, your STR could qualify as a non-passive business if the average stay is under 7 days and you manage it yourself.That opens the door for a cost segregation study and big bonus depreciation write-offs often opportunities that many CPAs who don't specialize in real estate miss.Like others have mentioned above, you can’t do a Solo 401(k) with just W2 income, but if you treat the STR as a business and pay yourself for managing it, that income could qualify, giving you another powerful retirement planning tool.Next steps: start by finding a tax strategist or CPA who really understands real estate and short-term rentals, and an estate planning attorney to protect what you’re building.

With 100 % bonus depreciation still available in 2025, you can get big first-year deductions.Your entity setup also matters.