@Sergio P Ramos in my area these types of training burns are still common.

There’s a lot of misinformation out there, particularly around VA loan assumptions—one common misconception is that you have to be a veteran to assume a VA loan, which isn’t true!

The issues with househacking-type strategies typically arise when you apply for a new loan.

Actually fairly common, depending on what you're looking for property wise going forward. 

Poor rental payment history is a common cause for non renewal. 

It’s common that this topic is misrepresented.

Here is a fresh example, and it actually came from another tax firm (not mine) specializing in real estate.Let me briefly tell you why I crossed out their pitch:Strategy 1: depends on your 2025 projected net income vs your 2024 net income, among many other factorsStrategy 2: can backfire amidst the uncertainty of future tax rules regarding bonus depreciation, and also ignores alternativesStrategy 3: no rush to do it before December 31stIf you decide to continue reading, I will give you a high-level overview of the most common EOY tax strategies, obviously without an actual discussion of each one.

Common examples include difficult grading, or an irregular lot orientation. 

Quote from @Steven Stanimirovic: Hi Rich,The prepayment penalties you’ve encountered are quite standard with DSCR loans, as lenders often structure these penalties (commonly called "step-down prepayment penalties") to offset the risk of early loan payoff.

Problem: Alignment - this is hands down the most common mistake that I see.