I am also on the loan.

Depreciation Benefits via Leverage: While you can't claim depreciation personally on IRA-owned real estate, SDIRAs can use non-recourse loans to purchase property.

A couple of months ago, I purchased a property using a hard money loan for $115,000.

However, my debt to income ratio with that home loan, and student loan doesn't look that great currently and I don’t have much for a down payment.

My electrician said that it just needed new breakers The property is liveable and rennovated apart from this.What is the cheapest % interest dscr/hardmoney/rennovation loan I could get?

If you create or fund an IUL instead of paying cash you can then get a loan on the IUL.

I would upgrade properties every 12-15 months as allowed by low down payment loans if my significant other wasn’t risk adverse and opposed to moving.

Too bad I was 12 years old and couldnt take out a loan lol not sure how to take this

I've seen programs that go down to a $100,000 USD loan amount for foreign national DSCR loans.

If you pay down $100K in loan saving you $1K in monthly costs against rental income, or you invest that $100K in something that generates $1K in net income the result is similar.