@Wiley Hood to be honest, with all the new regulations around documentation for cost segregation that has come out, I recommend having a professional do them.

There is a lot more state regulations and lending laws change when 5 units or great.

Issues with multiple national carriers leaving the state completely due to state regulations, massive loss ratios, huge increases in replacement cost values/limits due to inflation, etc. 

Hoboken has stricter renting regulations than Jersey City.

In my experience, a property with multiple cottages and outbuildings can provide all kinds of creative strategies...some folks try short-term rentals or even specialized retreats if local regulations allow.

It’s also worth diving into local regulations and HOA rules—they can shift quickly in coastal markets like this.

Let's check the Regulations 1.21-1 which clarify Section 21.

Tax structures and mortgage regulations might also shift as canada mortgages are very different.What do you think would happen? 

We try hard to follow the regulations, including the Dodd Frank Act.

If the title company won't respond, contact whoever licenses/regulates them in your state.