Wouldn't hurt to consult a tax pro just to make sure there isn't a more tax effective strategy but I don't think lending provides any tax shelter.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

I also usually compound the return by reinvesting my payments, so the present 12% fund effectively returns 14.38% which is pretty awesome.  

It is very effective in and of itself so it is something that can be done reasonably cheap without taking a ton of time.https://www.greengluecompany.com/

And your agent should see to it that you do that first so you are not wasting your time or their time.

Thankfully, we caught it during the plan review stage, and with a stamped structural design, they got the kitchen of their dreams—without jeopardizing safety or facing surprise delays.Here’s what to think about when renovating:Structural Changes: Even moving a wall can have ripple effects on the stability of your home.HVAC Systems: New layouts might need adjusted airflow or ductwork.Plumbing and Electrical: Moving sinks, showers, or outlets requires careful rerouting to comply with building codes.Before starting demolition or submitting permits, have your plans reviewed by a licensed engineer or architect to avoid costly surprises.

You are effectively operating a hotel, which is a business enterprise with very different risks and hazards to insure.  

So I carry effectively 0 debt. 

Land Subdivision:Property: Got 135 acres under contract that I'm plannin to subdivide.Objective: Seekin ways to structure this deal to minimize capital gains taxes.Request: Any effective strategies y'all have used in similar situations?