If so, any idea how easy that would be? 

I think I can get a policy online with the other requirements, but this waiver seems to be more difficult to find.

Section 179 of the Internal Revenue Code allows businesses to deduct the full purchase price of qualifying equipment and software up to an annual limit.In 2024, for example, taxpayers can expense up to $1,220,000 of qualified assets.This election can apply to many types of tangible personal property, such as machinery, equipment, and off-the-shelf software, which are used predominantly in your business.Limits on Section 179 ExpensingAs attractive as Section 179 may seem, there are limits.For tax year 2024, the maximum investment limit is set at $3,050,000.If your business places more than this amount in service, the amount you can expense is reduced dollar-for-dollar over this threshold.In addition to the dollar and investment limits, the amount of your Section 179 deduction cannot exceed your taxable business income for the year.This means that even if your business invests heavily in qualified property, the deduction could be limited by the business’s profitability.Also, not all property qualifies for Section 179.Real property, like buildings and structural components, generally does not qualify unless it is "qualified improvement property."

I may be inexperienced, and thats why I need a mentor to be hard on me.

This would be $291 per month. 

There'll be a prepayment penalty but I can always refinance a few years down the line, depending if I need more cash. 

Annual savings is $2797 and lifetime savings of $84KIf you kept making your same mortgage payment, you would be paid off in 24 years.

Being on an H1B, am I allowed to take these incentives.

I guess about the only thing that would worry me the most would be that if you add to the existing building, and if the city code has changed since after the initial build, then they are gonna want you to make all the necessary changes to the existing portion of the pemb.

I am weary of trading my time for money and wish to be more present for my children while building generational wealth.