Not to mention the tax benefits it allows. 

If you were financing a property that netted $300 after principle, interest, taxes, and insurance (PITI), and say your rent was $1,200 a month.

We are in a very low tax bracket this year but should be 10% higher in 2025.

If you can come up with an extra 1.5% and finance with a conventional loan you have none of those downsides, a lower monthly payment and PMI only until you hit 20% equity

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

It's lower than 1.5%, sometimes I price deals out conventional & DSCR, DSCR beats conventional pricing a fair amount of the time.The only catch is the prepayment penalty on a DSCR loan.

Investors often obsess over how to defer tax obligations and ultimately make poor investments due to being hyper focused on taxes.

I have 2 options:- finance the construction pre-selling the apt, and take my profits (expected to be around 700K pre-tax); or- finance the construction with a 6-7%/year loan (collateral = my house), keep the 10 units, and once the building is completed in 24 months, rent them for circa 180K/ year gross.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

You did purchase the property in one tax year and are selling it in another tax year which satisfies one of the court rulings.