Creative financing options like seller financing or assuming a low-interest FHA loan can also help you secure better terms.

But with inventory being low and you having a guest house, it might stand out.

Is my thinking correct that homes in highly appreciated areas won't benefit as much from Cost Seg. 

The land is in a very non-desirable area pretty much in the middle of no where so I would assume the cost of the land is low but don’t know how the ROI would be after you had the infrastructure up and running.

@Karolina Powell I am seeing 6.75% with 1.5 points with putting 20% down. 25% down gets you down to 6.49% with similar cost. 

If loan balance is $300k and it's worth $400k and an equity partner puts $40k to bring it current then they have about 40% of equity in the property - now they would not take straight $40k as probably more costs involved.

Selling means giving up an incredibly cheap cost of capital, especially in an appreciating area like 28277.I direct my investors to 28277 all the time for appreciation-focused plays.

@Cameron Porter ultimately the most important part is the ARV, inclusive of the expected rehab costs.

Thankfully we are commercial bank clients so our rates are as low as you can get in the market place for anyone who is not Lennar or DR horton or those types.

It could be 50% high, 50% low or right on the money but no matter which of those three it is makes no difference.