Other than a credit card I can charge 10k on which my rate is currently 6% with USAA I don't have much to play with.

.- Syndications.Each has played a role in my experience, I can definitely speak to each at length.

You don't get to choose if or when you depreciate your income producing assets.Any mortgage underwriter worth their paycheck knows that they would add the depreciation back in to get the real profits of the rental, so that should not come into play at all.

I want to play with the numbers, coverages, options,etc.

Sure disconnect it from the furnace add your own & let him play with it as long as he pays half your internet costs/month :)My son had to do this to stop his young kids hacking the Nest.

@Bob Lett as Matt mentioned you can explore if Seller financing is an option or if you can get private financing.

Everyone plays it and then no one plays it.

Specifically, what's your goal, strategy and play with the property?  

I play what if at year end to maximize my tax situation. 

My form also lets them know that our review may reveal additional things they should have been charged for, so it can play out either way.