I'm married, have three kids, and I live in an upper-middle class type suburb with the lawn and the white picket fence and it costs so much these days to keep a family there, it makes me worry about the future for my kids. 

Assets identified in this study include:Infrastructure and Site Utilities: signage, site lighting and utility sinksLand Improvements: sidewalks, landscaping, fences and parking spaces50% of the total depreciable basis was classified as 39-year class life.

It wouldn’t cost much of anything for my guys to grade gravel and fence the lot.

It’s has hardwood throughout, fenced yard and screened patio, great school district etc.

With that said and depending on how rural it is you may be able to put gravel down and put a fence up and have RV and Boat storage.

A cost segregation study looks at the overall building that you purchased and breaks it down as much as possible.The purpose of this is to increase the depreciation expense.Without a cost segregation study, you are depreciating the property over two items(Building and Land).However, a cost segregation study might identify items such as fencing which might be eligible to be depreciated over 15 years instead of 27.5 years.Depending on the year that the building was placed into service, you might be able to take bonus depreciation on certain items.The follow-up question to ask your CPA is will the cost segregation study help me, and by how much?

A lender will use market data, conservative comps, and always side on the fence of "what if" - as in, what if they have to default you and take over the property?

Your listing will not come up with these searches.You mention a large fenced in backyard and not a single picture of it!

They took a $1.5 MM property and found in this property:- $250k worth of 15-yr property which is paved parking, fencing, landscaping etc.- $150k worth of 5/7-yr property which is appliances, cabinetry, carpets etc.This is pretty typical for a commercial property cost segregation, and I see nothing wrong with it.The problem is in the line above that, called "Selling price."

The contractor suggested building a French drain along the fence line and finishing it off with a retainer wall to match the others the builder did.