08/24/2026
Pretty solid month 💪
5 creative finance STR transactions across 4 states.
A few closed this month in LA + OK, with 2 more scheduled to close in CA + TX.
Combined purchase price:
$2,904,000
Total cash required to close across all 5:
$161,454
That’s about 5.6% of the combined purchase prices.
A few examples of the structures:
2 transactions — $0 down
1 transaction — 9% down with a blended 4.5% rate
CA — 14% down at 5.62%
TX — 9% down at 6.35%
All fully furnished STRs.
Then there’s the tax side.
Estimated Year 1 accelerated depreciation using cost segregation:
$740,520
Potential federal tax savings at a 37% marginal tax rate:
$273,992
Obviously every deal and every tax situation is different.
But this is why I think creative finance is so much more interesting than simply asking:
“What’s the purchase price?”
I want to know:
What’s the entry?
What’s the rate?
What’s the debt structure?
What are the tax advantages?
What are the exit options?
Because sometimes the terms matter just as much as the price.
That’s the whole idea behind STRUCTURED.
