Now the tenant may have a legitimate personal injury claim and more.3) "Citing Renters Insurance declined coverage"- So, tenant has Renters Insurance?

In my experience, the good ones are expensive, typically require a subscription, and sometimes they even do a physical inspection of your premises to verify it is a legitimate person / business in US.

I suggest you enter private money goldmine in search botton at top right of the screen and read the previous posts....here is one that gives good perspective as well as a link to legitimate private lenders.http://www.biggerpockets.com/forums/92/topics/1488...

I think first step is to find legitimate comps that match and support your 130k valuation and dispute the report to give the appraiser a chance to fix the report. 

@Natalie Kolodij I just downloaded IRS p5653, IRS Cost Segregation Audit Technique from the IRS website and it shows they are taking an interest in ensuring these cost segregation studies are legitimate.

My logic went, if the founders/leaders are legitimate, the company and employees should also be good.

@Richard Bautista could be legitimate, but could also be a "churn & burn" situation.How will you know the difference - before it's too late?

I did some research first to see if they are even legitimate and what their reviews are like.

Although legitimate lenders will refund this fee partially or in full if you decide to cancel or if the loan is not approved.

Is this just them telling you what they did before or are they actually going to give folks actionable and legitimate advice?