They are typically a nominal cost and absolutely worth it.

Even if you have $1million....your limit is just higher than mine - you still have a limit!  

Please note, that I AM NOT saying that any of this is your intent, I'm only relating what I've personally seen occur with deals I've been involved in (note: I've never been the one to use a proof of funds letter in any deal).In times past, when I've seen people pay to use a proof of funds letter, its use came with the stipulation that if the funds actually needed to be drawn down on, they would be used at hard rates over very limited terms. 

This is perhaps part of the reason why @James Wise actually recently nominated himself ;) for BiggerPockets' Mount Rushmore. 

Another point, I have a W-2 income (spouse is stay at home mom) where I am already above the social security tax income limit.

You’ll keep repaying the loan with increasingly inflated dollars, while your debt balance stays fixed in nominal terms.

With limited savings, the key is to focus on strategies that lower your entry costs and build credibility.

For example, I have credit cards with $15K to $30K limits that may go from a zero balance to being maxed out when I'm doing a rehab project - and my score will drop accordingly.

There is limited online information about them, except that they have a C+ rating on BBB, and they do not provide an address on their website.

This label means that any large "paper loss" from your setup expenses and Bonus Depreciation cannot be used to offset your W2 income—deductions are limited to rental income.Your key is to show with solid records, that your personal use days (even during the initial startup phase) stayed under that limit.