The IRS cross-references your 1098s with claimed deductions, raising concerns if discrepancies arise.Private Lenders and Forms 1098: Private lenders are required to send Forms 1098, but only if they meet specific criteria:The private lender operates as a “trade or business,” distinguishing professional lenders from casual lenders like friends or family members.The loan is issued to an individual or a disregarded single-member LLC.The loan is a mortgage secured by real property.The annual interest paid on the mortgage was $600 or more for the previous year.The conditions leave some room for interpretation, particularly regarding the “trade or business” clause.

Not knowing the final plan, I'm not sure if 1031 is a good option.

One could either use the first option to earn more money or counterbalance housing expenses with it.

If I house hack, budget expands due to financing upsides with an fha or new 5% option with Fannie Mae.

Not sure if I can refi OUT of my retirement vehicle, but if I can, that would definitely be an option. 

We are looking into buying with creative options such as using a wholesaler, putting more money down, and house hacking.

With rent control laws in Los Angeles, as I see it, options to increase rents consist of:a) Cash for keys.

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LTRs offer steady income with less day-to-day management, potentially appealing in a market with limited options, yet may yield lower returns and pose risks of wear and tear.

Where do u look for LTR options and deals ?