I am open to houses that need some light work, and would even prefer that, as I've enjoyed small projects around the house.

For a quick flip in the 757 without touching your current loan, line up speed capital and a clean exit before you offer: build a small bench of hard money and private lenders, compare total cost of capital and minimum down, and target light, cosmetic value-add with multiple exit options.

What is the middle ground where the borrower is happy with pricing and the broker/loan originator can keep their lights on?

Stack stable small multis or duplexes with light value‑add so you can lift rents and refi to recycle cash.

Verify rents with two local PMs, use a low‑down owner‑occ loan, and keep scope to light value‑add you can finish quickly.

Jacksonville has been getting a lot of attention lately, and there are definitely a few different ways to play it.Your contact’s approach—owning lower-priced homes with ~$1,000 rents—can work well for cash flow, especially if the properties are paid off or lightly leveraged.

The study breaks your property into parts with shorter depreciation lives, things like flooring, lighting, and appliances, so you can write those off faster instead of over 27.5 years.Even though you bought in 2020 and 2021, you can still do this retroactively by filing Form 3115.

Will see condition of the property when they check out before green lighting a longer term stay. 

There are so many options anymore for lights, vanities, etc. it seems I could search for days.

Use Cost Segregation to Fast-Track DeductionsIf you own a high-value Airbnb property, a cost segregation study can help you accelerate depreciation by separating short-life assets like flooring, furniture, lighting, and fixtures.Combine that with 100% bonus depreciation (for assets purchased after Jan 19, 2025), and you could wipe out tens of thousands of taxable income in your first year of ownership.This is a huge reason many top Airbnb hosts pay far less tax than you’d expect — they’re not just listing smart, they’re structuring smart.5.