I also released my EMD after contingencies so she has some cash to work wit How did you finance this deal?

Also, important to confirm they will be warrantable condos for end buyers otherwise it will be very difficult for end buyers to secure financing and thus purchase the units. 

We're ramping up to offer seller financing in BR this year, and we buy seller finance notes in LA in some circumstances.

You're never going to be 3% financing and if it cash flows, I would lean toward keeping it.

For funding, explore options like FHA loans, personal savings, or creative financing, and focus on New Jersey markets that align with your goals, such as Newark for rentals or commuter towns for house hacking.

Are you considering doing all cash, or do you want to finance? 

As already mentioned, you could sell via seller financing to lower AGI, as all you would have to claim is the payment income - until balloon payment received.Did know an investor that had 14 properties paid off and he moved into one every two years to then sell with the $250k single exemption.

If you go with commercial financing you can put them in LLC names and you won't have those restrictions - but will have crappier financing terms - like 5 year locks instead of 30 year.)We bought 12 houses in 2018, 10 in 2019, and 9 in 2020 before prices went skyrocketing.

How did you finance this deal?

If someone offered to finance this house to you at your current rates if you put down $250k would you do it?