15 year fixed mortgages are very underrated a 200bps spread is enticing as well as lower transaction costs.  

So, starting with a budget, and then narrowing it down to the must haves, then the like to, then any bonuses. 

Depending on how you use the property, you may benefit from a cost segregation study and bonus depreciation once the property is in service. 

It also comes as a free bonus with the Momentum 2025 Summit, which starts in February.

For your $240K new-build townhouse, a cost seg may make sense if the tax savings outweigh the study cost (~$3K–$6K), especially since you plan to hold it for 10+ years and can benefit from immediate bonus depreciation.For the $380K older townhouse, cost seg with look-back depreciation could provide significant one-time deductions for missed depreciation over the past six years.

Bigger Pockets is a great place to find a real estate tax accountant.A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Being able to shuffle leads from MTR to MTR is a huge bonus and you can benefit from the economies of scale faster. 

As a bonus when you sign up you also get an e-book that has tips to running your wholesaling business.We normally pull 50k+ list when we do our monthly campaigns of cold calling.

The rental market is already showing signs of recovery:Spring Is Coming: Historically, the rental market picks up momentum in the spring as tenants prepare to move during warmer months or ahead of the school year.Early 2025 Trends Are Positive: In just the first week of January, we’ve seen a dramatic increase in rental applications, suggesting pent-up demand from renters who delayed their searches in November and December.What Landlords Can Do NowTo make the most of this recovery, consider:Refreshing Your Listings: Update your photos, descriptions, and pricing to ensure your properties stand out.Offering Incentives: Temporary discounts or move-in bonuses can help fill vacancies quickly.Being Patient: The market is already bouncing back, so don’t panic if your property takes a bit longer to lease than usual.What’s been your experience?

Remember, if you decide to sell in a few years, any bonus depreciation comes back as ordinary income.