You can do cost seg in 2025 before filing your tax return, and your apply for your 2024.This post does not create a CPA-Client relationship.

I highlighted two common exceptions in my earlier post, but doesn't sound like either scenario applies to your case. 

To apply cost segregation to your 2024 taxes, you need to do it at any time before you file your taxes, not before the New Year's champagne toast.

The latest ordinance I find still states rent control only applies to 4 units and above. 

There is no chance home owner can mediate, apply for loan modification (which is a predatory disaster in itself) , reinstate or retain the home two days before auction, when they have zero funds and ability to do it.

the opposite  call mortgage companies and apply for a job. 

But I am curious if my relocation would have to be fully complete or in the process before applying for the loan?

While the 1% or 2% rule might not apply, focus on factors like occupancy rates, rental demand, and appreciation potential.

I would like to pass on a little bit of useful information for anybody thinking of converting their permit over to owner-builder. 1 - You will not be able to sell the property for a minimum of 365 days from the date of issuing of the CO. 2 - The property must be for the owner's own use and occupancy and not for sale or lease which means you will not be able to rent it out. 3 - The owner-builder must ensure that all employees working on the project have the required licenses.4 - The owner-builder must provide worker's compensation as required by Florida law.5 - To apply for the owner builder permit, you must physical visit the building department.There are others requirements and conditions, however these are the main items.

Sure, you can apply a huge contingency to anything as a safeguard but that won’t help you win many deals.