Hi Vida,Based on your goals and budget, here are some suggestions for building a small home with a business space in the Atlanta, South Carolina, or North Carolina areas:Building options:Modular homes: These can be a cost-effective option, allowing for faster construction and potentially lower costs compared to traditional building.

So, if the business shows more or less break even then that will flow through and that business would not effect you either way.

I do, especially if it is one I use often, it is always good to have that relationship. 

If you're ready financially, house hacking now can build equity faster, but renting for a year could give you more planning time if needed and there could be tax savings.This post does not create a CPA-Client relationship.

However you still have the 6% rate instead of the 4% rate which is $9,259.38 which is not the bill amount but than times the millage rate for that area plus any surcharges for trash depending on the neighborhood and town limits.A safe assumption without verifying an address with the county is an effective millage rate of about 500 which means the tax bill should be about $4,629, which is still slightly better than not applying for the ATI and on $187k, 6% is $11,220 and a tax bill of $5,610. 

This may include tax credits such as 45L for energy efficiency.Optimization of Energy Efficient Tax Credits: AI tools can help real estate investors identify which specific energy upgrades are the most cost-effective upgrades for their properties resulting in a higher return on the improvements.AI can help investors be more efficient and effective with their time and money.

Loan to value is not effected by accounting at all.

Banks certainly care about depository relationships and more specifically the size of those depository relationships.

*This post does not create an attorney-client or CPA-client relationship. 

How are builders adapting to these longer holding periods, and do you think there’s a strategy that could help them navigate these challenges more effectively?