No benefit tax-wise. 

My question is how can someone be so far off on value and continue to keep their job? 

First off I am older, about to turn 64. 

I have a property I'm considering seller financing with a wrap mortgage to a buyer, I'm currently refinancing the home and have the option to not escrow the taxes and insurance, which lowers the payment about 700/ month on the 1st position mortgage, BUT would escrow the T&I on the wrap mortgage. has anyone structured it that way what would be the pros and cons to structuring it this way? 

No problem.. what I did with my ridgeland and Madison rentals and I had bought 12 new builds for the Gozone tax bene's post Katrina..

I do it myself and takes 20 to 30 minutes a month (did it yesterday for Dec), with about 7 of those minutes for 1 property in Blount County, TN which requires the form to be manually filled out, write a check, address an envelope, scan doc and check for my records and walk it to my mailbox.

Easy to use yourself too HELOC works (there may be some places that do a HELOCs on rental properties)I personally have used a 401k Loan on a few occasions - You're essentially borrowing money from your 401k and paying yourself back (interest goes back into your 401k as opposed to a bank) and if you don't pay your 401k back the loan would simply become a withdraw (maybe some tax penalties, but you could probably finagle a workaround).

Curious if anyone else is using AI for real estate marketing—whether for video, staging, or even writing listing descriptions.

The absolute best way to avoid taxes is not earn income.  

I told him if this interested him he would be better off obtaining a license and joining a brokerage.