Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

You can acquire a primary residence as low as 3.5% FHA or 3%-5% for conventional.

If you don't already have a primary residence, could you buy a property and house hack?  

In many cases it is fully legal so long as it is your primary home and you occupy one of the units but definitely make sure you're in compliance before you move forward.

If the wood perimeter is higher than the concrete floor (which I think it is per your explanation) you could always try to sand down the wood that is on the perimeter to try and get it flush with the concrete.

My question is, can I do a study on a home that is currently my primary residence and not yet a rental but will become a rental and I use the paper loss in the future when I need it but have captured the 100% bonus depreciation by doing the cost segregation study in 2022?

If you move your primary residence, he will lose yous tax advantage on the investment property. 

I am new to real estate investment and planning to start ramping up long term rental properties in 2025, however my first two primary residences were both converted into MIL's and rented within months after closing which effectively followed the House-Hack tactic (we currently rent our furnished basement to primarily traveling nurses for 3-6 months at a time which covers 70% of our mortgage).

. :) I dont really use the high limits really except on my primary business card.

Then I search the county records by their name to see if I can find their primary residence which is where you can send a letter.