House hacking with two children can be tougher than expected because you will always need to take a larger or the largest unit which will reduce your cash flow on the property even more.

The investors accepted it.  3 months later the buyer tried to reduce the purchase price to $2.6M to stiff arm the investors. 

This approach not only keeps tenants happy but also helps you maintain long-term cash flow by reducing turnover costs.

Delaying the closing to 2025 would reduce the bonus depreciation rate to 40% (unless Trump changes it).This post does not create a CPA-Client relationship.

Are there other ways to reduce my mortgage that I am not aware of (besides refinancing)?

Partnering with others can reduce risk and access better deals.

He's very thorough with this standard inspections and he also offers "investor due diligence" inspections at a reduced rate.

Now, I will suggest the following:Create a financial plan that includes the following:One year goal: reduce your expenses, including credit cards.

I think your income easily justifies a common-sense, time-proven method: increase earnings, reduce expenses, save, and invest.

You cannot beat the power of an ADU for peace of mind, leveraging your home to pay less monthly and reduce your expenses and give you the experience and confidence of doing constriction, getting permits and working with the city and managing a very easy rental.