It can also be a combination of factors, like issue always being there, but not as noticeable with colder AC air.

If HELOC terms are weak, a small second or DSCR second can work, but stress‑test so your combined payments are covered by current rents with cushion for vacancies and CapEx.

I offer credit card payment, but it is rarely used.

I rarely visiting my property. 

I rarely get messages, when I do its to buy handbags in china or some other dumb spam.

Your CPA is correct, although it is not about depreciation, it is about all deductions combined, including depreciation.

Then compare that to the combined income ($1,500 + $800).

Im 23 and currently rent an apartment with my GF and we take home combined around 175k.

I love the creative thinking in combining a 1031 exchange with house hacking, but if you sell your single-family rental and use the proceeds to buy a duplex where you live in one unit and rent out the other, you can’t defer 100% of the gain.If you move into one of the units, the IRS will only let you defer the portion used as an investment through a 1031 exchange.

Combining this with a respectful, low-pressure outreach approach usually works best.