You could reach out to the folks at The Nature Conservancy and they could provide additional info if that route sounds appealing.  

Provide some hope in your comments, rather than a longer and more fearful path.John

This company is 3x the price of two well-known companies providing the same service and mentioned here:  https://www.biggerpockets.com/forums/51/topics/1136752-expla...

With a loan of say 350k, and paying property management, it should still provide net profit of about 4k to 7k a year in year 2.

First - I think your accountant should be providing you recommendations for cost segregation companies.It it most likely, if he/she works with real estate investors, that he/she would have a couple to recommend.Second - There are two types of cost segregation studies.Type 1 - Conducted by an engineering firm where an engineer will inspect the property.

Having this will provide focus and intentionality in your actions.

Under the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA), if you are denied credit, the lender is generally required to provide a written denial notice.

In either case, the wholesaler usually doesn't need to provide their own funds to complete the deal unless they are doing a double closing and need private financing for that purpose.The title company plays a key role in ensuring that the funds are processed correctly and that the transaction is legally and financially finalized, including disbursing funds to the seller and paying any fees owed to the wholesaler, private lender, or other parties involved.Contract with Seller: The wholesaler secures a property under contract, usually with a small earnest money deposit.Find Buyer: The wholesaler finds a buyer (investor) and assigns the contract, earning an assignment fee (difference in price).Closing: The buyer wires funds, the wholesaler receives the assignment fee, and the title company handles the transaction.Costs:Earnest Money: Small deposit.Marketing: Costs to find deals.Funding (if needed): For double closings.Profit: The wholesaler earns the assignment fee.prioritize transparency and value.

Happy to provide you with references if you ever decide to try it out in Memphis TN.

Check out these two articles that provide a good overview of the factors that affect qualification and loan amounts:DSCR Loans: What Are They And How To Get The Best Termshttps://www.biggerpockets.com/...DSCR Loans: How To Use Pro Strategies To Save More And Make Morehttps://www.biggerpockets.com/...