Depreciation recapture may also apply, taxed at up to 25%.

Nope that does not apply to business purpose financing. 

@Joy McQuearyRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

The loan programs of your buyers will dictate how much of a credit you are allowed to apply to their closing but it certainly helps to move inventory when you offer an incentive. 

Then these are applied to all properties in that area of the city.

Transitioning to Business Credit CardsOnce your business credit profile is established, apply for business credit cards.

@Celine Li Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

There is an old saying that might apply here.

All the same rules of a standard DSCR cash-out refinance would still apply.

Reach out to @Alyssa Holbrook as she has a property she is trying to do it on now.Thanks a lot @Jonathan GreeneI was reading the SLC docs and it seems that the restrictions for owner occupancy only applies to single family homes and duplexes are exempt.