Here's an article with additional FAQs on cost segregation studies that you may find helpful.

Does the owner of the business always have to personally guarantee the loan with their credit profile?

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I love that the rate is fixed for 10 years, but the PPP is only 3 - best of both worlds, if you are that Texan: if rates go up, you're protected for a decade, but if rates go down you can refi penalty-free after only 3 years.Credit Union - This is a Washington State credit union, coming in strong with that 30 year amortization producing a lower payment.

I have additional space on the lot where I think that I could build an additional duplex or maybe two small single family dwellings.

Cap Rates really don't apply to residential so drivers are going to be much more about credit and value - if commercial, its a whole different thing - more about cap rate cash flow metrics etc

.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

They don't do credit checks so the new notes closed are at 15%.

Hi this is asked quite often in here so I recommend you search for some additional info.Long story short...I recommend financing in your own personal name if you qualify for the purchase you are trying to make. 

The question will be whether the city make you add it or not based on the SOW when you pull a building permit.