I have substantial capital in the public equities markets and would like to diversify my investments, so that is the reason for wanting to do this. 

Under the Tax Cuts and Jobs Act of 2017, interest on such loans is typically deductible if used for buying, building, or substantially improving the taxpayer's home that secures the loan.

I would only add the ADU if you can reasonably forecast that the property will substantially appreciate as to make it worth holding.

There are lenders that will do no seasoning if a substantial rehab was done and can use the new appraised value for a DSCR loan.

The property will likely require substantial work to make it a rental.

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.

The median sale price rose to $350,000, reflecting a substantial 10.8% increase from the previous year.Total housing inventory showed a notable 19.2% increase from a year ago which is much needed.Half of the homes sold were under contract in 23 days or less, a slight increase from the previous month but a decrease from a year ago.For sellers, 43.5% of homes sold for the asking price or above, with 21.5% selling for more than the asking price.

I'm definitely interested in taking your next Birmingham class.

The increases were substantial to where my taxes are well over 1% of the appraised value now. 

Cost segregation lowers your property’s tax basis meaning you’ll have less basis to recoup when you sell the property.Check the box on “Substantial Improvement”: One thing that Opportunity Zones require is “substantial improvement” by improving your property by 50% or more of its purchase price.