Everybody is different, but the climate is tougher now as carriers begin to cull customers to eliminate unprofitable ones.  

Splitting the gift across multiple years may reduce immediate tax reporting but requires appraisals, legal documentation and proper structuring.If the house is highly appreciated, holding it for inheritance may be more tax-efficient because the recipient would receive a stepped-up basis to the FMV at the time of your passing, eliminating much of the capital gains tax liability.This post does not create a CPA-Client relationship.

If the city does expand ADU eligibility citywide, it could eliminate the need for rezoning in many cases.

Eliminate debt, establish a budget, and save.

That would minimize and maybe eliminate the need for a loan for those properties.

Eliminate debt, establish a budget, and save.

For RE owners, death allows you to pass assets to your heirs and step up in basis, effectively eliminating recapture.

Eliminate debt, establish a budget, and save.

Real Estate is THE BEST way to decrease/eliminate your tax burden.

It eliminates the need for juggling multiple tools or platforms, making managing finances much more efficient.With two properties, I think Baselane is probably the best option for you.