At the end of the lease term, it's a simple as printing that spreadsheet so it shows all itemized deductions from the security deposit.

Is the landlord required to return the full security deposit to tenants ( or partial security deposit with itemized list of what deductions were made) within 21 days? 

Traditional bank loans can be slow and have strict requirements, while hard money and private lending seem to offer more flexibility.For those who’ve secured funding before, what’s been your experience?

I don’t have any legal advice, but maybe some helpful perspective.When we return security deposits, we write the check to all tenants on the lease, such as “Tenant A or Tenant B”.

.: Maybe someone can educate me on the actual uses and mechanics of using a substitution of collateral clause (aka substitution of security) in a loan when you are the borrower.

So often rentals don't have taxable income; and once they do it's still not subject to the payroll taxes paid by W2 wages or on self employed income. 

@Federico BuenoWith 6 bedrooms, your house hack has huge income potential, and you have multiple ways to maximize cash flow.

3) Average income was up 4.5% in 2024.

Does anyone know of a money market mutual fund or a fixed income fund that could be used for this purpose within my Equity Trust IRA?

Being able to use real estate to offset taxable income requires some sort of participation on his end.If he wants you to be the boots on the ground, it will likely be hard for him to reduce his taxable income.