If you don't intend to do that right away then do the 20% and save the extra cash flow.

Many opt for other investing methods in their SDIRA like private lending, crypto, private equity...anything except collectibles and life insurance.Note that a Solo 401k is exempt from UBIT on leveraged real estate so if you have self employment activity and no full time employees save for you and your spouse you should consider the Solo K as an option. 

Despite being assured that there would be significant tax savings on my 2023 taxes, there were no cost savings or advantages to having paid $5,000 for strategy in that tax year.

I have a large lump sum saved in an investment account for down-payment and any additional costs.

I'm in good standing with a 810 credit score, no debt, and about $100k in savings.

Save your time/money move on.

Overcoming Common Financing HurdlesMortgage brokers excel at tackling challenges that often derail new investors:Low Down Payments: Brokers can find lenders offering low or no-down-payment loans, ideal for new investors with limited capital.Complex Income Streams: If you’re self-employed or have variable income, brokers can identify lenders that accept alternative documentation.Competitive Rates: Brokers have the leverage to negotiate better rates and fees, saving you thousands over the life of your loan.Pro Tip: Communicate your investment goals clearly with your broker so they can tailor their search to your needs, whether it’s a short-term fix-and-flip loan or a long-term rental property mortgage.3.

What real estate tax saving strategies have you utilized with other clients?

My remodel strategy is to use some of my own sweat equity and running subs to save enough money to upgrade the flooring, kitchen and baths slightly beyond the peers. 

Right now, I am not as interested in investing as I am in helping another investor in order to get some hands-on experience while my wife and I save a little bit more money.