Required by Law, a Title I have for my Vehicle along with Automobile Insurance.

If the weather gets excessively hot or cold, covered parking is even more valuable, especially for men who tend to baby their automobiles.

We see this on BP when the talk of automobiles comes up.. you have the guy with 5 rentals and driving a beat up 200k mile Toyota and damn proud of it.. :)  And then others talking about the Hot sports car they want to buy..

And to be fair i think it works in the low value asset world as these properties basically were trading at the values of automobiles..

Here are the metrics that I would use in the five categories you cite:  - Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) - Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) - Consumer Loans: Other Consumer Loans: Automobile Loans, All Commercial Banks (CARACBW027SBOG) - Student Loans Owned and Securitized (SLOAS) - Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG)I put in links rather than images since BP tends to delete my images for some reason.

Even if you plan to take 100% bonus depreciation, there is a limit on the amount of first-year depreciation you can take on automobiles.

What I mean here is that many people deduct their automobile expense in Line 9 – Car and Truck Expenses…..and you might be correct that itemizing your automobile deductions might allow you to get a HIGHER deduction when using this line….but your lender cannot add it back to your income!

I don't use in house financing for automobiles and the same goes for real estate.

I have a Masters in Real Estate Finance and Bachelors in Finance and Marketing, and am happy to discuss the merits of those paths with anyone considering them.Outside of real estate activities I enjoy automobiles and motorcycles, and try to spend my spare time at car meets (like Katie's Cars and Coffee) or on back roads on my Aprilia. 

As your income goes up, don’t spend it all… being on one- time purchases like vacations, or on long term commitments like your housing or automobile expenses.