Example: "I want to build financial independence through real estate investing.

For example, I could save about 18% by increasing the deductible from $5,000 to $25,000.

Typical deals like that had short-term, variable rate 3-year bridge loans.  

In theory if we both exceed 100hrs and then have matching hours let's say 200hrs as an example, then would that work ?

Because if we can take deprecation losses from our rentals, we can use that loss to offset our other active income (from being a broker for example).To qualify for real estate professional you need to1. spend 750 hours working in a real property trade or business and more time in this then any other work activity.2.

(See example below.)

Let me give you an example, I believe the asking price is $3 million, you will need anywhere from 20% to 30% downpayment between $600K and $900K ( private lenders may ask for more downpayment) Then you will finance between $2.4 million and $2.1 million and your payments could be $20k a month which a lender could ask for 12 months reserves.

You will need income of $200K+ typically to qualify for something like that.

Then I typically did a rehab making the asset more valuable.  

An example is a hand surgery for Carpel tunnel has a reimbursement of about $800.