Most lenders do not service their own loans and reserve the right in the future to sell it- even credit unions and 99.9% of banks. 

Most states allow you to hire your own adjustor to come up with your own damage amount and then argue with the insurance company about.The insurance company will want to see the signed lease, proof of funds the tenant paid and confirmation the utilities were on and preferably in the tenant's name.

Some of the additional benefits include:Reduction in current tax liabilityInsurance savingsImmediate increase in cash flowMinimization of recapture upon sale of the assetIdentifying disposition expensesIdentifying repair and maintenance expensesEnergy cost savingsConstruction tax planningPreservation tax credits (historical and new market)Fixed asset reviewDEIRA Reports (reduces insurance premiums, benchmarking reports, energy audits and reserve studies)What other questions do you have about cost segregation?

He said the house had looked way better before the current contractor started, which was confirmed by neighbors and other people who had seen the house.

House hacking a 4 plex is a good plan, and you may even consider getting normal financing with 20% down - just have a little more patience to save more to have adequate reserves.

Wait until the move-out date and confirm she's gone, then handle turnover like normal.

If for some reason I need to return security deposit at a different time I'll either take the 3mo interest from their security deposit, or I'll do a trade from my reserves. 

Nothing worse than ordering the appraisal and credit and then realizing your loan won't work for that particular lender because of reserves or seasoning or an equity stake that didn't get taken into consideration.All the bestStephanie

Could you please confirm if you received a response to your inquiry?

This leaves me $700/mo (plus $200/mo in reserves) to pay myself, which seems high for a “house hack”.Hindsight being 20/20, I may have bought out of my price range.