Is it worth it to work with wholesalers or are you better off going out on your own and trying to apply the strategies they do?

Something that I've been wondering about is whether new investors looking to buy their first property using a conventional mortgage use their personal credit to apply for the loan.

I’d like to find another property and apply the Brrrr method to repeat the process.

This was really great for keeping me organized- it allows you to automatically send bills, add payments and also has time sensitive features baked in (for example a late fee applied on day 5).

Therefore, it's incorrect to apply the Temp.

(your scenario) - VA cash out requires a 3.3% funding fee so thats akin to paying a hard money lender 3.3 points on your face value or loan amount you're applying for.

The home was deeded over and mortgage never transferred and or applied for credit.

Landlord/tenant rules no longer apply and they are no longer the owner.

I've done several deals like this with commercial leases, but haven't ever applied the strategy to a residential property.

By pulling forward 15 years of depreciation (I'm making up that number) and applying it to the first 2-5 years, there is typically "left over" depreciation that can offset any gains at the time of sale, say year 5.