Imagine you bought a property for $2M.The land (excluding any structures) is valued at $400K.Since land is not depreciable in the eyes of the IRS, we subtract the land value from your purchase price to get your depreciable basis.Your depreciable basis is simply where a cost seg engineer starts from when allocating your eligible assets into either 5, 7, or 15 year property.In the scenario above, your starting basis would be $1.6M since your basis = your purchase price - the land value.Having an accurate land value is essential to getting your depreciation/bonus depreciation calculations right.This is the starting point for any cost seg study that you do.

But then again, I am not a lender so I don't know nor have I studied that idea to know for sure.  

They presented a juicy case study to illustrate the benefit of depreciation recapture shifting from cost-segregated personal property to real property.

Studies show that over 50 percent of travelers are bringing pets. 

For now I will continue to study and save money to have more down payment for when it will be time to buy.

However, you can choose to do a Cost Segregation Study and instead of depreciating the property as a whole you depreciate each piece of the property some of which have a shorter lifespan and that allows you LARGER deductions sooner!

Expediting the depreciation with a cost segregation study can add a healthy amount of cash flow in the first year to 5 years when you need it most. 

Study the market.

Study and read your local lease templateRead, read, read.Watch youtube videos online of some basic building and construction.

Study up on FIRPTA.