Qualifying for a conventioanl loan after Cost Segregation

[Osahon Abbe]

Has anyone done a cost segregation on their tax returns and that reduced your W2 income through the losses claimed? How did you navigate getting a loan with the reduced income on your tax returns? I know you can use a DSCR loan but I am curious if anyone has qualified for a conventional loan with reduced income on their W2.

[Henry Clark]

Lenders look at net operating income which is before depreciation.  They will think you’re smart using cost segregation, since this increases cash flow up front.  Wouldn’t do cost seg if you planned to sell soon.