Unless the borrower is self employed and takes a lot of expenses to show lower income on their returns then it usually makes sense to pay a couple thousand a year in higher interest (you can pay like 4,000 a year in additional interest for DSCR if you are saving 30+k on your tax bill kind of math lol)

From tax stand point I would think you can separate from primary and be okay with IRS being that IRS will not be local code enforcement.  

., I left Anderson for a small firm that will do the actual taxes and then another company that specializes in tax strategy. 

Does this strategy utilizing HELOC really work on saving money and paying off mortgages much quicker?  

If you are going to sell then you must understand the tax implications. 

I didn’t see your location in your profile or your post, but assume at least 17% state/federal taxes leaves you with $10k/yr. 

Then utilize the same designs.

It reminds me of one of the TAX sale how to traveling freebie events that came to town last spring..

And you can be a landlord that gets a very poor return because they haven't utilized their space well by changing the layout.

Is an IRA subject to capital gains tax?