Hi @Anna Urbina, there are lots of reasons a person may pick a city: where they have family, where they grew up or went to school, where they like to vacation (tax deduction), or strictly on the data.

They take excellent care of me and I'm happy to pay the fee which I consider to be entirely reasonable, and its a tax deduction.   

He's been carrying this loss with him each year and only deducting the approx $3000 per year that the IRS allows. 

Is the HEL interest tax deductible considering the changes in the tax code?

A CRT enables you to reduce or virtually eliminate capital gains tax on the sale of an asset funding the CRT, claim an income tax deduction, receive income and make a gift to the charity or charities of your choice.

Your closing costs are not going to cost nearly as much as that PMI you are paying over the next 25 years will cost, plus some of closing costs are tax deductible and I don't believe any PMI will be tax deductible after next year.  

***My numbers are based off a cashflow of $250 per property after deducting maintenance (5%), capex (5%), vacancy (5%), and PM (10%)***

Great for major medical but large deductibles.

That means more deduction earlier and less deduction later.

You need to detail what is being deducted from their deposit, and provide them with that information, and most likely their remaining deposit back.