After reflecting on a strategy someone used to buy 15 short-term rentals off-market in just 12 months, I thought of an idea.

Quote from @Simon Packman: I have a 4 plex our premium sky rocketed to $8900 a year.

Welcome to BP.My biggest piece of advice is to understand risk premiums in real estate.

If the house is under water with the OCWEN mortgage, then approach the mortgage holder about a short sale. 

The nicer areas are already charging a premium so be careful. 

The premiums are made with after-tax dollars and the cash value in the policy he grows tax-free And can be access tax-free. 

@Austin Green we currently live in Franklin (short term)!

Part of those cuts included the short-term rental tax loophole, a strategy real estate investors can use to help mitigate their rental income tax by offsetting earned income with real estate losses, and could be renewed or extended.  

Insurance premiums are reflective of the loss risk being insured.

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.