I'll just add that in addition to offsetting future tax liability, I'd like to offset current taxes as well, during my highest earning years. 

If you’re comfortable with a bigger investment, a duplex is good for the benefit of additional cash flow and you could house-hack.

I'm happy to answer any additional questions as best as I can. 

States Can Still Require Additional FilingsEven though 506(b) offerings are exempt from state registration, individual states can still require notice filings and fees.

I heard that less than 20% down causes additional insurance fee? 

I know hosts have included additional cleaning fees for violations as a deterrent.If none of these solutions work, you could look into completely independent HVAC systems for the two units, though that would be a bigger upfront investment.

Additionally, ATCP 134.05 says that if the tenant provides a consumer credit report from an agency that compiles and maintains files on consumers on a nationwide basis and it is less than 30 days old, the landlord may still run a credit check but at its own expense.When I inquired with the company, they replied: "These laws are in place to ensure that you, as a landlord, are not profiting by incentivizing multiple applicants to apply when you have no intent to rent to them.

Is the portal that the landlord and tenants use an additional charge?

@Ryan VienneauAre they able to set-up your credit cards as additional "accounts payable"?    

Making additional payments or taking a shorter term are just depositing more into that savings account (it's not like the property appreciates more by paying down the loan).