For the last couple years I have had losses on my tax returns from passive rental real estate activity.

If you do plan to go for the bonus depreciation then make sure you’re committed to the property for at least 5 years.There are still lenders doing 10% down second home loans as well as 15% investment - I just talked with one last week that served most of the country. 

I have maybe sent 6 email over last year. 

I did this last year!

I had a new PML ask me about the difference between a Loss Payee and a Mortgagee so I thought I would share some commentary from my insurance agent partner on the subject: Quick point of reference between the difference between Loss Payee and Mortgagee:Mortgagee: the Lending company/entity that lends the money for the propertyLoss Payee: an entity or party that has an insurable interest of said property.

@Chris SeveneyNot trying to be rude but in the last sentence of his opening paragraph he mentioned using his VA loan.

How much for personal property and loss of income?

Hey @Julia France, You maybe do NOT want to use bonus depreciation if the losses created are excessive passive losses and you don't have a lot of passive income.

They can be  classified as ordinary income/loss or capital gain. 

., you should first look into traditional financings as you'll get the best rates with a conventional loan.Despite your six months off, if your new job is in the same field in which you have 16 years of experience, I believe you only need 3 months on the job to qualify that income.Lenders will want to look at your 1099s for the last two years.