It's crucial to align this decision with the nature of your income sources and their respective tax treatments.

@Ryan RuncheyThe bookkeeping for this specific property will likely be difficult.This appears to be a househack as you purchased a personal residence but also have roommates to help with the rent.As a result, a portion of the expenses as they relate to the house are personal in nature and non-deductible.Items such as real estate taxes, mortgage interest, etc are all pro-rated.On-top of that you are doing the BRRRR which indicates that there is rehab involved.Portions of a rehab are currently deductible, capitalized or non-deductibleCurrently deductible - payment for an area of the home that is a tenant area.

Please keep in mind that "suspended passive losses" or losses that are generated that are passive by nature, will STAY passive losses, and CANNOT be used to offset active income.

(I can just do more tIRA withdrawals to tweek AGI to suit)2.) 5 yr carry forward of excess deductions - (could use to draw down ~$800k tIRA BEFORE RMD or more Roth rolls)Situation: Very desirable but very hard to sell income property (older (1979) small, low value Mobile home,(home = ~1/6th the value of property - Banks don't lend with that ratio) Beautiful acreage, (3) large shops, pond, barns, Very livable cabin (knotty pine!)

Naturally, she refused and the deal was dead.

Admittedly, finding direct comparables has been challenging due to the unique nature of our family's home, but these figures give us a good starting point.I've taken the proactive step of having a property manager conduct an inspection, and preliminary feedback suggests that the renovations required might be relatively minor, pending the final review from the contractor.

I did a rant on BP recently about the arbitrary-nature of the 2% Fed target, but that's not what you're asking.

The same developers are the owners of Margaritaville, and they have the same property management requirements there.Reunion - Great location, beautiful homes, 3 championship golf courses, multi-million dollar water park and award winning tennis center - Appears great, but it's hard to make a profit. 

I did a double framed wall with doubled 5/8" drywall on both sides with green glue and double insulation in the middle on my ADU, and it's beautiful.

When we invest to CD basically we become the lender (to the goverment/to the people).As cash position now can exceed equity investment (in some circumstances), it's just natural that we invest more into debt/cash than equity.