Chelsea,You have a couple of options you can use a DSCR program to close in an LLC or a Portfolio loan program.

Without a full summary of the STR tax loophole for high W-2 wage earners, here is a link to the best explanation and summary I've come across and helped me digest the value of the benefit: HERE In short, the bonus depreciation rate was 100% in 2022, 80% in 2023 and is planned to be phased out to 60% this year. 

If you have an "early buyout termination" clause in the lease he is free to use this option. 

I also welcome perspectives on utilizing a HELOC, other financing options, or keeping my primary mortgage-free.

I'm being told I have the option to buy it down to 5.75.  

I'm basically looking for something that glazes over or goes in depth about how an investor can set themselves up with as many options as possible to go about buying, but I can't seem to find anything.

There are other options like Citi and Navy federal that offer secured cards that graduate but some take a long time to graduate.

The good news is that you will qualify for 100% Bonus Depreciation.

I like to get more options, current trends and pros/cons to start with investment .

Ok so buy and hold the home is my best option then.