Once you have a few deals, like maybe 10 under your belt and they get to know you, they might be more flexible on how much they will lend.   

Considering the high deductible on House B, I am only filing a claim for House A, and coming out of pocket for the cost of repairing or replacing the roof for House B. 

In that case, you can take out cash through a loan without triggering a taxable event, even if you use that cash as a down payment on another multifamily property.

Some highlights: I have 3 homes up on Platform and manage another 2 homes.

Tennessee’s no-state income tax policy can be a nice perk for long-term wealth building.Indianapolis Pros: Having real estate connections in Indy could give you a competitive advantage on deals, local market insights, and trusted contractors, which can be invaluable for a BRRRR strategy.Ultimately, your “competitive advantage” might be stronger where you already have boots on the ground. 

Do I consider it as an SFH and assess potential rental income based on SFH?

From there, depending on the process, we direct them to the next step.

It is extremely difficult and managing all the trades, managing the budget and the schedule to get the project completed on time as the quality level you expect.

So they can do a 1031 only on their portion. 

I recommend that you learn the tax code and take ownership over your strategy.Not having some foundational knowledge and an opinion on how to approach taxes as a business owner is a huge mistake.In my experience, every single business owner who says "I just let my CPA worry about it and I focus on my business" is doing a suboptimal job at tax planning.They are likely missing out on 10s or hundreds of thousands in saved dollars every year.Stop making excuses and get to work.Just a few months of part-time learning about taxes will pay you for the rest of your career.