@Tom SehonI recommend finding an accountant that specializes in real estate taxation.

Account Closed Thank you🙏

Again, PT is the one that voluntarily mentioned that he/she is getting the divorce and he/she also stated that he/she is the co-signer on the soon to be ex wifes/husbands mortgage (which has shown on prospective tenants credit report) but the soon to be ex is the one that currently  pays the mortgage AND WILL CONTINUE TO PAY MORTGAGE.

The creditor could object if they are not taken care of in the plan according to their filed proof of claim (They filed an accounting with the court stating what is owed).

That being said, these will also have the strictest underwrites, including credit, DTI, and asset requirements. 

I am getting only 1.5% returns without taking into account the equity building portion.Mortgage tax write off is 0 as I currently pay mortgage on my primary residence.I have used this property as my primary home for 2 years in last 5 years.

Connect all your cards and accounts.

I have reached out a Liberty Tax, H&R Block, a local account to help me understand how this return should be completed.

@William KuczmeraWhile I am not an accountant another option that probably makes better sense is to borrow against your 401k instead. 

I realize some people on here may disagree with me but I feel like it is extremely important to build a solid financial base through Index ETFs and savings in high yield savings account.