Congrats on your growth and your vision!

From utilizing 1031 exchanges to offsetting gains with losses, the right approach can make all the difference in your investment journey.

I've kicked the can down the road, and it ain't good.If you don't think a higher paying tenant will not show up, I would consider cutting my losses and trying to sell.

That said, I'm considering selling the property to cut my losses before they happen.

We like being aggressive in stock market investing but more conservative in real-estate given that we plan to use that for cash-flow eventually.The options are:We expect to have $200K/year in taxable savings the next 5 years (barring a job loss)- Pump all savings to the stock market & keep the current rental properties as-is and payoff the properties over the next 15 years using cash-flow for snowballing.

Starting it and developing your vision is one of my favorite parts (probably my favorite actually lol). 

Additionally, if you have too many personal use days, losses may be further limited by the Sec. 280(A) vacation loss limitations. 

Book losses through bonus depreciation.4.

I've been researching whether or not doing a cost segregation study would be beneficial and while I don't think I could use the bonus depreciation for 2022 taxes a recent Bigger Pockets Money Podcast (#360) https://www.biggerpockets.com/... talked about carrying forward the paper loss for coming years and the benefit of doing one now as there is still 100% bonus depreciation which will decrease in the coming years.

Risk of Losing Multiple Properties: If the borrower defaults, the lender can seize all properties used as collateral, which can lead to significant financial loss.2.