hard money is typically: some amount down + points to get the loan + interest to service itso if purchase price is $325K, you might be able to get 10-15% down from your own cash + the HML for the restit's not clear from your post what is going where

The time value of money still favors acceleration, but only if you have a clear path to eventually utilizing these losses.Don't let your tax savings get trapped in passive activity loss limbo.

Set clear terms in writing so that it’s “official,” which can protect everyone involved.Renovation Phasing: If the reno is intensive, consider breaking it into phases.

That doesn't cut it for me.

But it’s crucial to double-check NYC’s rental regulations to make sure you’re in the clear.

As long as your intentions are clear and honest, you should be fine.

It’s better to cut your losses now.Hate the process of finding new tenants?

Own 10 rentals in Columbus Ohio and building another 21 new build single family houses in Florida that will be a clean BRRRR that will be free and clear.

Or did one side clearly come out a winner? 

@Michael PlaksSorry if I wasn’t clear.