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.

You may wish you believe you generate "good estimates" but by your description you don't have a methodology in place to do that.

I completely agree with your distinction, and it’s an important one for readers to understand.To clarify, my use of cost segregation in this context referred to the underlying tax principle and methodology of separating tangible personal property from the structural improvement bucket and not suggesting that Clark needs to commission a formal, engineered cost segregation study for a $60k remodel where the appliance costs are already known.As you rightly pointed out, if the taxpayer or their CPA isolates those $6k appliance costs directly from the receipts and places them on a 5-year MACRS schedule, they are effectively executing that segregation of costs themselves.

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.

Where are sample properties?

Build your credibility stack now: brief 1‑page story, sample underwriting, references, and a weekly update email to your network.

Definitely a methodology worth emulating in high-pressure markets. 

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.

In general, just replying because I think over generalizations are dangerous. 10 lenders is also a small sample size ;). 

If a home undergoes a major renovation that significantly alters its value, that sale pair may be statistically adjusted or removed from the sample.