* We purchased with conventional financing using 5% down.* We financed all rehab using 0% credit cards.How did you add value to the deal?

So, because of this a lot of the "affordable" condos you will see in DFW have financial issues and you cannot get a mortgage loan on them, and have to pay cash. or, maybe get some sort of non conventional financing that is much more expensive requiring 25%+ down. 

Conventional is still the gold standard, but DSCRs are a close second for good deals. 

Conventional is a great option in those scenarios

Our current mortgage is a 30 year conventional locked in at 2.75% and the monthly payment is roughly $1900 ($950/person). 

Grishma GovaniList of best real estate marketing tools from RE/MAX R4 convention

If it will qualify for conventional, you would be just below the 75% LTV threshold.

Therefore, I have a hard time committing to a house hack which contributes greatly to my problem of raising capital for a conventional mortgage with a 20%+ down payment instead of alternatives such as an FHA. 

For other depreciation: When placing a property in service late in the year, depreciation is prorated based on the mid-month convention for residential rentals.

I bought this residence with my VA loan but realized I should have used either conventional or FHA due to the low cost of the home.