This is why getting an engineering based cost segregation study, the IRS' preferred methodology, is so important.

She emails me back with a sample policy - not my actual policy 😩So my question is...is this something frequently seen and easily recifyable or am I looking at a long drawn out process and what's the likelihood insurance will cover this?

Ask about their process, engineering methodology, timelines, and pricing structure.

If you run sample calculators online you can see the difference in interest savings over the course of your loan and can save thousands of dollars over time.

While it may seem like a simple concept, cost segregation studies are actually a very complex process that requires significant documentation as well as specific methodologies.

Definitely a methodology worth emulating in high-pressure markets. 

Quote from @Dana Yobst: Quote from @Julio Gonzalez: @Dana Yobst While it may seem like a simple concept, it's actually a very complex process that requires significant documentation as well as specific methodologies.

.• Rural refis are often capped by appraisal methodology, not cash flow, so conservative comps like you’re using help.On reserves, keeping post-refi liquidity is smart — especially since Section 8 timelines can drift if inspections get delayed.Curious: are you planning to refi immediately after the first HAP payments hit, or waiting for a full quarter of collections to strengthen lender options?

Think of them as productized cost seg - same IRS-defensible methodology and audit support as the big firms, but delivered through software with standardized processes.For residential properties under $500k, this middle ground often makes the most sense.

As far as the question regarding the valuation methodology for the practice... typically practices are valued based on a percent of previous years' collections, a multiple of EBITDA or a combo of both.