My question is do I have to recapture all the depreciation for tax in 2025?

Meanwhile, your expenses, like debt service, taxes, insurance, and maintenance, continue.These are the requirements necessary to attain and maintain financial independence.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

More on DSCR loans in case helpful: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Still seeing low to mid 7s on 1/23/2025 assuming decent credit

Considering buying the corp so avoid land transfer tax - that might help with the numbers.

How do you pay for the tax and insurance?

If it is to cash flow right now, then you're right you would be a little tight with your tax/insurance escrows.

Cash flow is definitely the biggest challenge; both in terms of finding properties to buy that cash flow with a loan on them and just company wide given interest rates and labor/material is up and, at least where I'm at in Jackson County, MO, taxes are way up too. 

Credit Rating/Bank Statements/Tax Returns: Specify your requirements, if important to you.Purchase Criterion: How do you define a good deal, which will be profitable for your borrower and safe for you?