I will be filing this season for the first time being a home owner and house hacker.I would like to work with a tax professional who has experience with this strategy.Tell me why I should cancel my meeting with H&R Block this weekend...For context, I have a W-2 income and have had 3 tenants stay in my home within the past year. 

My accountant is telling me that we should just keep it on my tax return for 2023 as a rental, and not primary, since I have too much income from the studio I airbnb.

Owner didnt need a lot of cash out (he had recently sold a CA home) and is now getting same monthly income he had previously without the headache of maintenance and management.Building was poorly managed and rents waaaay below market, which is where we saw value.

He initially said that because they were husband's wife he did not have to fill out an application and then I told him that all rental agencies in our town make them do it he grudgingly did it, but he's not said anything about his employment history and he has no current income

Do you have the passive income to use for offset?

Income would be roughly $12,706 ($16,800-$4,094) based on projected annual tax (Wake County 0.96% of AV (taxed at 0.5 market value)) and insurance (0.59%).

Depending on your income you might qualify for the "Small Landlord Exception" to take the loss. 

The income aspect is a little different though, because you will not be able to verify, or they may not show income on their application if they don't have any. 

As our rental income is building up in the bank account now, we are wondering how to finance the next one.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.