Based on the policy, I understand that. 

Determining exactly how beneficial is based on a multitude of factors, but a cost segregation study cost/benefit analysis on your property is typically free and can help you decide whether the benefits offset the cost of the study.If a Cost Segregation Study had not been performed on this $560,000 single family home located in Phoenix, Arizona, it would have had first year depreciation of approximately $20,400.

However, if you work with insurers based in Northern NJ you will have no trouble finding something that works. 2-4 unit properties are in abundance here and are often being house-hacked. 

Insurance is likely 100 a month based on other parks I own in the area. 

So they are playing it slow and in no rush to give away deals without it first sitting on the market for a SOLID few months.

It’s still passive if you play your cards right?

Based on the information in your profile, it seems likely that this is your one rental property although you mention in your profile that you also let out rooms in your own home.Out of your four options I think the worst is No. 4.

@Tristan Bennett, DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.Here's a bit more in detail about how rates are calculated for DSCR loans: 1.

I'm here because I don't understand and I'm coming in with assumptions based on my own taxes over the years and you've kind of put me down or made fun of me for being "surprised" at how the tax law works.  

Keep updating it as your knowledge base grows.