I've almost hit 2 years job experience for a conventional loan, I have qualifying credit, I've made good contacts with realtors and lenders from my Admin Assistant job in the loan world, and I've saved up enough cash for 3.5% down for SoCal SFR pricing (not enough for closing cost or commissions yet).

Similar endeavors are underway in Rhode Island and Telluride, focusing on assisting first-time homebuyers and developing affordable rental properties.One significant strategy employed by these governments is the utilization of tax-exempt financing.

Taxes on stocks held long enough are treated as capital gains.

These typically are not reported to credit bureaus and also do not affect your debt to income ratio which frees up your credit for personal loans that you may need in the future as well as does not limit you to the amount of loans that you can have as a buy and hold investor. 

Once you have the building plans and projected budget, you can get a no-cost estimate on the tax benefits you are entitled to.

They will also be able to work with you to help you get better credit or optimize finance to afford more.

@Bryce Kennebeck not sure how moving to an LLC impacts your ability to take the primary residence tax benefit.

While researching my options to reduce my 2024 tax burden (already maxed the 401k and HSA), I see that it is possible to buy an investment property, use it for Short Term Rentals and as long as certain conditions are met, I can accelerate the depreciation which can be used as an offset to W-2 income.

Say with your after-tax money?

I have low DTI, high credit score (790+ FICO), and high amount of liquid assets.