Just to provide and absolute in this situation, we will sell this home when we move out of Midland.

Insurance proceeds are typically provided in a check that must be endorsed by both the policy holder and the mortgage holder. 

This means that when you sell the property, your adjusted tax basis is lower, which increases the capital gain you must recognize.Additionally, any accelerated depreciation taken is subject to depreciation recapture at a higher tax rate (up to 25% for real estate assets) rather than being taxed as long-term capital gains.So, while cost segregation provides significant upfront tax savings, it also increases your capital gains tax liability upon sale unless you use a 1031 exchange or other tax-deferral strategies.You can find your current tax basis by reviewing your depreciation schedule (Form 4562) and prior years’ tax returns, specifically looking at your adjusted basis on Form 4797 (for sales of business property) or Schedule D (for capital gains and losses).Your CPA should be consulted prior to making any decisions. 

Partner Driven provided 100% of the funding, covering the $171,000 purchase price.

You can not go wrong with the product or the customer service they provide.

Quote from @Jaycee Greene: I completely understand and I'm sure my fingers are a lot fatter than mine ;-) If you only borrowed $155k, I assume you did a conventional bank or credit union DSCR loan, is that right? 

That will be a big factor with regards to whether you can qualify for a DSCR loan or not. 

However, they provide a time period to fix this - ie usually 30 days. 

The loan is non recourse, so I have no personal liability.  

For your mortgage, a 30-year loan will give you lower monthly payments, which could be ideal while starting out.