The idea is if banks were doing all the owner occ loans the cost to the buyer would go down by 5k to 15k per transaction depending on the price of the home  Plus approvals would happen faster and there would not be this intense need to solve the underwriters every little crazy question  I am sure you have run into this over the years..

I know thinking about what a lot split involves, but not in a strange scenario where the properties have been built since 2012, and we are just trying to adjust their lot / use.

Income Tax Bracket Adjustments.

You can adjust those rewards by adjusting your purchase price based on what returns you are trying to achieve.

Capital gains tax applies when you sell an asset for more than its adjusted basis, not when you borrow against it.

Higher down payments, adjustable rates, but it would allow you to leverage instead of paying all cash.

If your adjusted gross income (AGI) exceeds $150K and you are not classified as a real estate professional, passive losses from rental properties cannot be used to offset your earned income.

You are mention the higher costs for MTR-- I would adjust the cleaning fee and add incidental insurance like Waivo to cover those costs.

I went through the initial 2 months having to fix even the most minor of issues that other tenants would normally be very adjusting.

Many banks handling tax escrow accounts for mortgages have mistakenly thought there was one tax due twice/year or totally missed one of the taxes.Investors should research the SEV and the Non-Homestead property tax millage rates to project what the property taxes will be after adjustment.