My tax lady said it’ll be considered a loss and not to worry about it.

Basically trying to get the most tax benefits and protection as possible.

., last month's rent free)), and someone starts an application at the old advertised higher rental rate + concession but then completes the application after the change (lower rate and no concession), is there a rule for which you must honor? 

Decrease in quality, bad reviews can quickly lower your monthly revenue and rate of return.3.)

I would assume lower interest rates would drive the appraisal higher but I realize that is not a given.  

@Hemanth Grandhige-  thanks  1) consider looking at  choosing the new loan pricing option with zero or low loan fees   as  this will help  keep overall  costs lower plus  allow you to justify  refinancing these loans to lower rates  when and if rates  drop 2) consider refinancing the proeprty that you will get most  cash out of  first  and then follow with the others  later 3) make sure the lender options  allow you to have  6 financed properties when doing a rental loan

Some are saying that by adding me to the trust, we will have to pay the transfer tax (for my portion only) because I am not on title.

Similar to what @Sarita Scherpereel says, a house hack will mostly be about the equity you make and total return after moving in low down as well as hopefully lower cost of living while you are owner occupying it.

Insurance has gone up quite a bit, property taxes and HOA fees as well.

I'm looking for local recommendations for an experienced real estate tax accountant/CPA.