They do not make for enjoyable reading.I hope that you will find this helpful.

However, 80% is typically available as a rate/term aka limited cash out refinance (cash out just being used to cover closing costs and prepaid items like taxes/insurance).Your phenomenal DSCR is just a cherry on top. 

Was hoping to find if cost segregation could offset or reduce tax liabilities on W2 income , which looks like it won't unless we are RE pros or it's a short term rental.

Robin, IRA is a tax-deferred vehicle.

The easiest way to make close to a $2k/mo difference in your life is to cut expenses $1,500 ($2k after taxes) by finding something you can buy for anywhere near your rent.

I’d keep it, do a little cash out refinance if you wanted to regain some of the $, and just rent it out or STR it and make some money on it..Appreciation always goes up, and a few years down the line (and/if interest rates come back down you could pull even more $ out Tax free!)

I looked at Stessa and Digb and decided to go with Digb because they also support with taxes.  

I lost money, hope you don't!

So your personal life will be cheaper, less regulated, less taxed, and less wasted in traffic.

Rentals generate passive income, so an S-Corp offers no added tax benefit.