@Jay Hinrichs is correct.However, the following seasoning periods are what I am working with on the DSCR programs that I utilize for my clients.

So it's pretty hard to break 5% utilization. 

What do you think about refinancing FHA loan into conventional in order to utilize FHA loan again or does there have to be waiting period?

Like you mentioned , the prices are going down because a lot of people thought you could just buy a property and slap it on airbnb , expecting it to rent well without doing improvements , not realizing that the market would be overstaturated with " C and D " quality properties ( A+ are the properties i'm speaking of)I'm seeing that you can buy those type properties( A+ potential) that have simply been under utilized and 1.

So I'm asking, What is the best way to utilize the results they both gave me and narrow it down?

I have decided to look into a heloc, I'm a bit newer into realest state investing, I have completed a couple of fix%flips this year, I currently use hard money for the purchase with 10% down and I cover 100% of the rehab, with that said even just doing a couple of homes at a time, I find myself around 200k out of pocket, I think it would be a bit easier on myself and wife if we utilized a heloc vs just cash, my primary should appraise around 1.1m and my mortgage is 640k, I'm looking at pulling about 250k for a heloc, I don't want to refi the home and cash out as I only want to pay interest on funds as I use them ( I know I won't always be using the heloc cash) Any advice or even knowledge for people in a similar situation, and anyone have a referral for a Heloc?

no rent coming in but expenses were low - just utilities and insurance. 

If a cost segregation study is done in early 2025 can it still be applied to our 2024 taxes to utilize the larger bonus depreciation?

Your true asset hunters are in the basement, the yard, the whole property looking for ways to upgrade the asset that others are missing.You are being very smart about your VA utilization, you just want to make sure the asset is right.

Hi Gavin,This is fairly common, and it’s great that you’re thinking ahead about how to handle utilities responsibly.