This is extremely helpful for the tax savings benefits but also because many of the assets used in a restaurant business need to be replaced much sooner than 27.5 years.Some of the major benefits of Cost Segregation are:Reduction in real estate taxesReduction in casualty and property insurance premiumsFor previously misclassified assets, you will now have the opportunity to claim any “catch up” depreciationBy accelerating depreciation, you increase your cash flowHaving additional cash allows you to invest that money back into your business, invest in other opportunities or pay down your mortgageHere’s a list of personal property that could qualify for accelerated depreciation:Drive-throughCanopies and awningsFlooringPoint of sale systemsDecorative millworkKitchen equipment hook-upsDoorsEquipment installationHVACWiringBeverage equipmentFood storage and preparation equipmentFloor coveringsSignage site improvementsInterior light fixturesFire protection equipmentThese studies should be conducted with your cost segregation specialist, CPA and financial advisor.

I wanted to find out which rates, I would qualify for so I can do the numbers and narrow down the kinds of properties I look for.

You can get 65% -70% loan to value if you qualify.

They have the lowest rates we can find and since they are 30 year fixed...they allow us to cash flow better...which helps us qualify for other loans later.

I am a real estate agent in South Louisiana, and just can’t qualify for a mortgage as of now.

They've been on a month-to-month but it doesn't sound like there was a formal lease agreement (just a verbal). 

First question I would have: how are you going to qualify for a loan?

With my current income and expenses it would be difficult to qualify for a traditional mortgage.

@Wensheng Chen, Yes, if you have lived in that property for 2 out of the previous 5 years then it would qualify for the $250k/$500K exemption. 

Well I can tell you from experience,  once you quit that day job that you worked at for 20 years with a steady paycheck, it is very hard to qualify for a mortgage.