I currently do not have enough funds to fund a down payment and am trying to find the most efficient way to save.

Quote from @Keyshawn Johnson: Hi BiggerPockets Community,I’m currently living in Italy but will be moving to Florida soon, specifically to the Destin area.

Quote from @Tiffany Palaskas: Hi, I currently own a duplex in Puyallup WA.

You should ask to speak to the commercial lender at the bank that carries your property's current mortgage.

Thanks to everything I’ve learned from the podcasts, books, and this community, my wife and I currently own:A triplex in MaineA single-family rental in San AntonioA single-family primary residence in Las Cruces, NM, which will become a rental when we move in a few monthsFor context, I'm an active-duty Army officer with about 12 years left until retirement, and my wife works for a university in Boston.

You already have a townhome that you currently live in - why not continue to look in Tampa instead?

One thermostat controls BOTH units currently.

Recapture typically happens only when you sell the property.If you use the property partly for personal use and partly as a rental in a given year, depreciation and other expenses must be prorated based on the number of days it was rented versus personal useBased on the current tax laws and regulations, once you've taken bonus depreciation on an asset, you cannot "capture" additional bonus depreciation on that same asset in future years, even if the rates increase.In the 2024 tax year, the rate for bonus depreciation is 60%.

@Fetch PhoenixI'll add something that may apply....your current policy may already exclude wind and/or fire, which means that you could already be without protection. 

Operating an Airbnb business requires being up to date on current local ordinances and restrictions.