As I purchase this in 2025 and have 0 personal use throughout the year I then plan to cost seg and use that for bonus depreciation (or what is left of it before phase out)... and wondering what % of furnishings I can deduct?

One option is to find a co-signer with W-2 income to help qualify, or you could explore DSCR loans, which focus on the property’s income rather than your personal income.

However, after further research, I’ve noticed that Charlotte, NC, and Raleigh-Durham, NC, are experiencing robust rental market growth and expanding economic opportunities.

Personally I’ve got 1 tenant in my 8 unit building that occasionally complains that the water isn’t hot.

I am not an insurance agent, but I would be curious to hear from someone in the field who could explain how this would have played out differently had the properties been in an LLC and not a personal name.

Just my personal experience.

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

Hard to say one way or another without knowing your personal finances, goals etc., but it seems like a good deal. 

Connect with a housing coordinator if that position is available in your area and stay in contact with that person. 

To me personally as well I found it was more important for what I do to cultivate commerical bankers and those relationships so I could get access to bank rate capital and lots of it !!