So I ended up using 0% interest business credit cards which I liquidated to purchase and renovate my property (total credit limit of about $95k total).

The financial of property is good:      DSCR = 1.3; LTV = 45%;Both my liquidity and net worth passes Chase's test.

If you have a larger portfolio of properties this may be worth it if you think this property will appreciate. 

Terms are not going to be super aggressive due to the fact that the rehab amount is larger than the purchase price though.

Also consider how you plan to finance your acquisition and what size business is feasible based on your current liquidity.✅ Focus on making a good first impression and building rapport.This starts with getting honest with yourself about what you’re looking for and how you plan to execute.

But @Garrett White and I are shifting our focus to larger unit count properties.

Off-market.If you do find a tired landlord listed that's willing to carry, just know the agent commission makes your down payment larger. 

I agree with @Isadore Nelson, there will be an initial sting due to to the IRA transaction but with quick math at 8% your 60k will generate about 4.8k in year one, in 4 months at 1.3k you've already eclipsed that, their will also be a larger tax for passive income and an initial penalty from the IRS, but it won't erode the 8 month difference let alone the yearly compounding effect.

If your goal is to maximize liquidity for future deals, reducing your cash outlay or exploring refinancing options could make sense.

Generally, a loss can only be claimed in the tax year when the investment becomes completely worthless or when there is a final determination that no further value will be recovered.If the REIT has officially liquidated, been declared insolvent, or issued a final report confirming that no additional distributions will be made, you may be able to claim the loss on your 2024 tax return.