., daily cleaning), in December 2024 and placed it in service in May 2025.I've encountered conflicting information about the OBBBA’s cutoff date for 100% bonus depreciation:Some sources suggest the property must be both acquired and placed in service after January 19, 2025, making it ineligible due to the December 2024 purchase (and thus limited to 40% for early 2025).Others indicate that the placed-in-service date (May 2025) determines eligibility for the 100% rate, regardless of the acquisition date.I understand the structure (likely 39 years as nonresidential real property) is ineligible, but components like furniture and landscaping (5-15 years) may qualify with a cost segregation study.

The Deal: • Single-Family Fix & Flip in the Midwest • Purchase Price: $250,000 • Rehab Budget: $50,000 • ARV: $375,000 The Funding Structure: • Loan Covered: 90% of purchase + 100% of rehab • Total Loan: $275,000 (capped at 75% of ARV) • Term: 12 months, interest-only payments • Closing Timeline: 10 business days Client Cash to Close: • 10% down on purchase = $25,000 • Closing costs + points ≈ $8,500 • Legal/Appraisal Fees ≈ $1,500 • Total ≈ $35,000 Out of Pocket Monthly Carry: • ~$2,520 interest-only payment (plus taxes/insurance) Exit Projection: • ARV: $375,000 • Loan Payoff: $275,000 • Selling Costs (~8%): $30,000 • Net Profit ≈ $55,000+ For this client, we made sure the financing aligned with their exit strategy so they could move quickly on the property and keep more capital free for future deals. 

You can take bonus depreciation on any property that has assets that qualify.So to answer your question, yes, you can take bonus depreciation on components of a house that is used as a MTR.However, what you may want to determine from a conversation with an accountant is whether the activity will be treated as active or passive.The next question would be, even if you can do a cost segregation study, would the added depreciation from bonus depreciation be beneficial.

Analysis Paralysis is tough, but remember the third, and one of the most important, components of investing is TIME - the early you get started, the early you'll see your returns compound.

Instead of starting over with five or six lenders, a good broker can match the deal to the right funding structure and keep communication flowing between both sides.From what I’ve seen working with investors, a solid broker often becomes a key team member — not just finding capital, but aligning the right funding with the investor’s broader goals.

Either way, @Josh Green is in your neck of the woods and will be a critical component to having on your team.

Most of our mezz placements involve direct collaboration with senior lenders early in underwriting to align rights, remedies, and repayment waterfalls before closing.For sponsors who aren’t ready for a full mezz structure, we often design preferred-equity or structured-debt hybrids that achieve similar leverage with less legal friction.It’s definitely not a “plug-and-play” product — but when structured correctly, mezz capital can unlock projects that would otherwise sit idle in today’s tight credit market.

My focus now is on helping others approach real estate projects with a builder’s mindset — understanding timelines, budgeting, and how to align funding with actual progress in the field.I’ve been lucky to work on everything from family homes to multimillion-dollar properties, and I’ve learned that success always comes down to people — honest communication, clear expectations, and true collaboration.

Shoot me a message and let’s talk through goals, criteria, and see if we align.

Make sure you know your goals and find sponsors that you align with.