I plan to add another to my portfolio later this year. 

Do that again, once each year.  

I hope this post is ok.I want to say I am new to RE investing, but really I've been investing in REITs for close to 15 years, and over the past 2 years have been underwriting hard money loans (using Groundfloor).

Personally, I have no issues making the full monthly payments from the start, so it seems unnecessary to pay the buydown payment just to have lower payments in the first two years.Additionally, my lender said that if I refinance before the 2-year period is over, the remaining buydown payment would be applied to the principal.

I'm Amauri from Orlando, FL, passionate about real estate investing for the last 10 years.

For newly constructed, purchased or renovated properties and also retroactive generally over the last 10 years, building components are properly classified into individual units of property and accurate recovery periods for computing depreciation deductions.

And, I don't know TX law, so I'm not sure if there would be any difference as to the specific rules that may be different in TX, but, it's an old law from merry old England that made it's way to the US, so odds are there is some version that would apply to you in TX. 

I use NREIG and have been for 5+ years. 

Anyway, Buyers in the contract for deed have been their 7 years.

Have you noticed stricter lending rules for cash-out refinances this year?