If you want a lower tax bill then you would want deductions immediately, if you want profitability in the short term then you would want to depreciate as that spreads depreciation expense over the years.

Welcome @Kiara SpenceThere's alot of great points mentioned.You'll surely want to understand your budget, narrow your focus/objective, work with a lender/broker that understands your goals and put the right people in your corner to help identify deals.Are you going to reside in your primary and buy the rental?

As a user I have to do that in the lead list by creating a "tags" column in the spread sheet prior to uploading. 

Narrowed down to two banks and was negotiating with them. 

Lastly there just is not enough of those type of deals to take on extra work and risk .. its too narrow of a niche.. and keep in mind my fee's FAR exceed normal HML fees they make it worth my while.

But why in the hell would someone want to spread their money out over so many different places?

I would narrow down to three companies, then bring the best quote to the two higher roofers and see if they are willing to beat the pricing.

Narrow it down to one niche and become subject matter expert in that field.

Try to narrow down your options to the top 3-4.

Try to narrow down your options to the top 3-4.