If you are a buy-and-hold investor, the strategy is to try to buy one or even two properties a year (or every other year or every few years) to give you enough depreciation to carry you over to the next property that's going to give you that depreciation wave to save you money the entire time.

@Jason Malabute is correct here.

I assume the rate on DSCR loans are slightly higher than traditional financing or home equity loans, is that correct?

Is that correct?

I believe you just need to have it rented for 1 week in the year to use the bonus depreciation after the cost seg, correct?

But his website is a complete mess and hasn't worked correctly in almost 2 years so it's impossible to find the status of your investments.

I do however agree with you that there’s no one size fits all approach and depending on the type of business that’s operated and location, the correct strategy may vary. 

After operating 1 rental for 2 years and another for just a few months, I just got notification from the code enforcement at my municipality (whom I had visited in person) that I didn't file a paper correctly and fines are possible.

This is a whole new era than 2010-2020, you're going to have to come correct not just straight spec.And you're not making 4.5% on your HYSA--that's gross. 

You are looking at it correctly, as others mentioned trying to avoid a PG is challenging, especially when starting out.