Accelerated depreciation, taxable income forecasts, and running various numbers/scenarios.Point is that tax planning/financial planning is not the area to skimp.   

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Although I care less about my financial loss, what upsets me is their manipulative conducts.

It’s always an honor to contribute to such an incredible platform that empowers investors to build wealth and take control of their financial futures. 

I know that's a tall ask though, so do I instead need to talk to a financial advisor who can adivse me? 

For a partnership where you're providing all labor and the broker is funding the deal, a fair split typically ranges from 30-50% for you and 50-70% for the broker, depending on the value and complexity of your labor versus the financial risk they're taking.

Then without knowing your entire financial situation I’d probably prioritize getting that paid off over putting anything in a Roth or over and above an emergency fund in a HYSA. 

Would the fact that our house is in the ~ $850k valuation range influence your advice? 

Generally speaking solid insurance and a good umbrella policy will provide ample financial protection for most liabilities.

And make sure you have the financial resources to handle that.