Your property management company can help once you own the property but up until then you need someone good on your side!!! 

You should have 25% down payment + closing costs, + an oh Sh*t fund on top of that. 

Yes, just like you claim depreciation on the use of your property, any company including an insurance company claim depreciation when they pay for your damage.

What type of funding are you using?

We've always hired a tax protest company and have done so in three different states.

.: Hello,I'm new to tax/mortgage surplus funds retrievals, and have been in contact with a homeowner who is willing to work with me.

If the answer is yes, then it's a no brainer to make minimum payments on your 2.8% interest rate mortgage, and use the funds that you would have paid extra to pay it down faster, to either invest in more real estate, the market, or anywhere else where you can get a ROI > 2.8%.If the answer is no, then feel free to aggressively pay it down as fast as possible, to become debt-free faster, and just have a large amount of money in savings or to splurge with.The bottom line is that your 2.8% mortgage is GOOD debt.

I would be cautious with MLD residential lending company.

I'm a local, CT based investor, flipper, and property management company owner.  

Do you have a property management company you use?