Quote from @Bob Dole: All,Apologies for the newb question, but I just heard about cost segregation and have been reading up about it online.My understanding is this (and please correct me where I'm wrong):Pros: -accelerate depreciation, front load (vs. just a straight line over 39 years) -save money on taxes because of the depreciationCons: -if I sell the property, the recapture will be larger -not recommended if you flip propertiesSo hypothetical situation:-Majority of our income is W2 based, let's say it's $500k-Net income from commercial rental is $100k-Income from dividends and interests is $100k-Both of us are full time W2, so non-prof real estate (but this can change  -- please see below)So we're hypothetically grossing $700k a year. 

@Tony it's interesting that your 6% locked rate wound up changing so much prior to closing.

Also you could start with local Plan-printing companies as they're always printing plan sets for architects and designers before they go to county and after the county comes back with changes.

@Collin Luckett what your touching on for changing of buyer during pending is not a viable direction. 

On the other hand, you might find a common reason that a few of your potential investors are not investing that might change your own thoughts on the deal.

I have actually changed directions with my investing since I posted that a year ago.

That means their pricing tool is designed to price beneath the rest of the market, which drags the entire market down, especially when combined with their algorithm changes a couple years ago that made pricing (IE lower prices) the #1 factor in ranking.Even if you use an external pricing tool, it gets dragged down by the people using Airbnb's pricing. 

(The exception would be the rare deal where the property changes hand for a price far below real market value).The sub to or wrap adds a certain degree of ADDITIONAL risk of failure.  

If the seller isn't responsive, then do like the idea of telling the tenant you tried, and see if they can get some free legal assistance from a tenant resource center.It is a good reminder as closing approaches to ask the seller to keep tenants updated on the pending sale and when ownership is scheduled to change.

Bankruptcy will affect your ability to borrow for a long time and unless you know why you got in that position and change that behaviour, you aren't going to be any further ahead.If you think you can save $60K in 5-6 years, you can also pay off that debt in a year and then take the next few years to start saving for the down payment.