Quote from @Andrew Syrios: $200,000 at 22 is a really good place to be quite frankly. thank you, it has required an immense amount of hard work and sacrifices but it’s been worth it. 

There are strategies that you could do to try to get future paper losses reducing your active income, but those require you to change your income-earning activities.

Are you reaching out to home owners that matches your criteria, or are you reaching out to individuals that are going through life events like Probate and Foreclosures?

It's all based on the individual investor's deal criteria. 

It is popular amongst investors because you don't get capped at a certain amount of products, it requires less paperwork, and it doesn't look at DTI/taxes/income.

The following looks at hypothetical purchases, anecdotally and in relative isolation, meaning there may be a reason (for instance to generate large tax losses for "active participation" investors to offset other income) for some individuals to undertake a particular kind of purchase.

However, modern appraisal practices require that these spaces with low ceiling height be valued LOWER similar to how a finished basement is valued.

Recent amendments require a local agency to impose an owner occupancy requirement as a condition of a homeowner receiving a ministerial lot split.

This could further enhance their value and your overall return on investment.Remember, every individual's financial situation is unique, and it's crucial to consult with professionals to tailor a strategy that aligns with your goals and circumstances.

The buyer may want to reduce the down payment required to buy a property, preserve capital, increase yield, reduce payment on the loan for a period of time.How does it benefit the owner to carry the loan?