Just like when you call a big company and a robot answers your questions, but you have such a specialized question that requires a professional's input.

Assuming they were professionally prepared and compliant with state law, these should define your default interest terms – probably in your note.

I definitely recommend that you seek out a Certified Cost Segregation Professional so that you are confident in the quality of the work performed and the deliverables produced.

I will look at a few factors, rent for area, total mortgage payment with property taxes( which can be crazy in Detroit), investment in neighborhood, I like looking into places where they are building homes and apartments that attract young professionals or families , and also looking at potential to make a single family home into a duplex or something can add an adu or transform a basement to a studio apartment!

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I am a busy professional so I have limited spare time.

Readers should seek professional advice.

It’s advisable to consult with a tax professional or financial advisor to determine the most appropriate approach for your circumstances.

@Alex Del Rio welcome and congrats on Real Estate Professional Status (REPS) this brings with it a lot of tax benefits that you didn't have access to before.

Lived in upstairs unit for 3 years, then rented both units out for the next 12 or so years Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?