---The way my mind is thinking, this should be eliminated by paying off the mortgage with the WLI cash value policy loan.

I replaced the switches with dimmers, but even that didn't completely eliminate the problem.

This option minimizes taxes while allowing more flexibility to reinvest without 1031 restrictions.Option C: Sell Now Without the ExclusionSelling immediately means paying capital gains tax on the entire gain, including depreciation recapture, making this the least tax-efficient option.Additional Considerations:HELOC or Cash-Out Refi: If you want to keep the rental while accessing equity for your retirement home, consider a HELOC or cash-out refinance instead of selling.Estate Planning: If you hold the property until passing it to heirs, they receive a step-up in basis, eliminating capital gains taxes entirely.For tax efficiency, staying two more years allows you to partially exclude capital gains, while a 1031 exchange defers taxes if you plan to continue investing in rental properties.This post does not create a CPA-Client relationship.

Plus very few of these groups smoke or drink so that's other problems eliminated.  

The easiest ones to find are hot water leaks because usually the resident complains that their floor is hot.If you eliminate those, just have your PM stop by the property randomly to listen for running water.

If the city does expand ADU eligibility citywide, it could eliminate the need for rezoning in many cases.

If selling properties, a 1031 exchange defers capital gains taxes by reinvesting proceeds into another investment property, while Opportunity Zone investments can defer or eliminate capital gains tax over time.Long-term rentals should be held in an LLC for liability protection and tax efficiency.

It eliminates the need for juggling multiple tools or platforms, making managing finances much more efficient.With two properties, I think Baselane is probably the best option for you.

I prefer markets that experience mild winters to eliminate the added costs brutal winters can bring. 

I am in the process of getting it reappraised to eliminate PMI.