Garbage disposals are my most often replaced items. 

The PM should provide itemized items of what was done.

I’ll also amortize large items like roof over 20 yrs, and then add $100/mo/unit for general repairs.

Also, how old are your capex items? 

This is true for bonus depreciation items as well.  

After adding those four items back in, it brings the complex to making around $6,500.

Here's a https://www.irs.gov/businesses/cost-segregation-audit-technique-guide-chapter-4-principal-elements-of-a-quality-cost-segregation-study-and-report to the IRS website noting specific items that are included in the cost segregation study report. hmm, that website is a 404 error.  

The companies you will find in the lender finder section of BP are probably mostly companies as opposed to a private person like you are referring to.

One your loans will be a higher interest rate, next you will have annual filings, the cost of a registered agent every year, and items like that. 

Scammers do exist, and it’s smart to verify a lender’s legitimacy before moving forward.Check Reviews and References: Look for reviews on trusted platforms like BiggerPockets or Google.