Cost segregation studies can offer real estate investors massive tax benefits.

Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.

I am also extremely interested in Portfolio loans, but I have zero contacts dealing with those types of loans.Finally, I have an 'excellent' credit score, no debt at all besides 5 other rentals at 75/25 LTV (all cash flow positive) and a job that I claim over 100,000 in taxes, and have three years of consistent tax returns showing that.

My wife and I had our first brush with real estate which came through purchasing our own home, and it sparked a fire within us to build a sustainable portfolio that benefits both future tenants and ourselves.

If there is enough equity at the 6 month mark you could do it then but there may not be much of a tangible benefit unless there is a PITI savings.If you are able to do some renovation in the first (6) months it might be possible to do it on the 6th month mark based on a higher renovation ARV.If you have any specific questions feel free to message me or reach out I am always happy to help and talk REI.

The benefit of having them send you bids is that you can get a broader spectrum of cost and experience that you can choose from depending on the quality of job you need.   

Some parents here have gifted their properties to their adult kids - parent child transfers via inheritance or gift, you can inherit their property tax basis but you have to live in the house - this was from Proposition 19 passed in 2020 to undo some of the Prop 13 benefits.

There are some things like section 179 depreciation that may also benefit you (which is phasing out, we're at 60% for 2024). 

I have great credit, but what kind of creative investment opportunities exist for someone like me who doesn't have the finances to start out?

I have a great credit score and solid W-2 earnings so I’m pretty sure I could assume the loan.