The are always multiple variables such as: are the gift funds involvedProperty typecondition of the propertyIs it ruralTitle seasoningReservesLTVWhat is the estimated DSCR ratioCitizenship status: Foreign National, ITIN, Citizen, Resident, permanent residenceDoes borrower have investor experience or notMortgage payment history called a VOM or proof of timely paymentsGift of equity or not100% gift funds or does borrower have at least 5% down payment and their own reserveshow many acres does the property have?

Family status is the protected status that trips up most people, with comments like great family home, great neighborhood with lots of kids, this is the ideal place to raise children, etc. are clear violations of fair housing rules.

@Michael Turner Yes, you can combine time to meet material participation requirements if you're tax filing status is "married filing jointly".

I tried to message directly but without the pro status it will not send.

Depending on your filing status, capital gains tax rate goes up to 20% from 15%.

Okay so status update...I had the landscaping done and relisted with new professional photos & drone shots in addition to multiple price drops and - absolutely nothing.

I would "run the numbers" - two scenarios - status quo vs. refinanced + new property

People need to realize to get class action status is near impossible in many instances and the attorneys make all the money.

Consider paying down the high-interest debt strategically if it outweighs the potential returns from new investments.Additionally, understanding Real Estate Professional Status (REPS) and Short-Term Rental (STR) tax savings can significantly reduce your tax bill while building your portfolio, enhancing your overall financial strategy.

This might offer more security but also could complicate tax reporting.Taxation of Y as an S Corp:If Y is profitable, electing S Corp status could reduce self-employment taxes, but it also comes with more stringent IRS rules.