If you can answer both languages on one phone number that that would be a bonus so you don't have to give different numbers for each paragraph.

There are ways to reduce your tax exposure.

They try to pass off “long time, good paying” tenants as a bonus to buying the property. 

But you're on to a great strategy and theres an added bonus for the non-us citizen. 

There may also be bonus or profit share structures at the company that you could ask about as well.

The use of debt-financing in an IRA also creates exposure to taxation on Unrelated Debt-Financed Income (UDFI) - (complexity). 

There is no seasoning, Fannie/Freddie allow rental income to be used immediately to qualify, and there is no loan amount minimum but lenders have these overlays to limit their exposure on investment properties. 

Still takes the advantage of mortgage pay down, interest write off, depreciation and in some cases appreciation ( that’s a bonus only).  

In addition to what @Brian Eastman mentioned, your mother would have gift tax exposure on the paydown of your primary residence mortgage if she's not on the deed, even if she co-signed.You on the other hand, would have mother-in-law exposure during Thanksgiving and Christmas dinners.

Jason: To clarify I do have a solo 401k for my s-corp which I put $33K into for this year's year end bonus - my cpa explained this year maxing out to $54K is actually less tax advantageous as opposed to previous couple of years where I did make a max contribution.