Brian Davis: @Eric LoweThere's a company called Rental Property Refund that does cost segregation studies virtually, based on self-reported data from you.

I just had it on my mind based on some recent discussions. 

I know what the rents should be for each of the units (2 vacant and 1 significantly under market), the taxes are listed on the MLS, I’m familiar with the water/sewer costs in close proximity to this building, and I know what percentage to use for my Vacancy, CapEx, and repairs and maintenance based on my knowledge of the local market.

Key Steps Before ProceedingContact the Loan Servicer: They will guide you through the assumption process and confirm whether an entity can participate.Consult an Attorney: If you’re considering title transfers or joint ventures, an attorney familiar with VA loans can help you navigate potential risks.Understand Due-On-Sale Clauses: Ensure any post-assumption changes comply with the loan terms to avoid triggering repayment demands.Final ThoughtsVA loans are a unique and valuable financing tool, but the program’s focus on personal borrowers makes entity-based assumptions unlikely.

This is public info and usually it will change based on seller being there a long time or something like an elderly tax rate.What are insurance costs like (we've got a lot of local variability around fire insurance for ex.)?

@Tom Gimer thanks for the shout out@Bryce Adams Tax assesed value is a terible way to base your bids.

We’re based in Indianapolis, and during the winter months, we transition some of our STRs to MTRs to try and keep up occupancy rates.

@Brett Riemensnider You can claim expenses related to your rental property, even with a homestead loan, by allocating costs based on the 75% rental usage.

So creating all these funky financials is great, but if you are using those in a presentation that information should be in the PPM or an official document as if someone is making a decision based on that - it can come back to bite them.

I just started using it based on this thread.