Has anyone ever done Cost Seg for a building placed in service years ago and applied for accounting change?

Or using the service I use with Superior Notary Services.

The real question is will the income of the property support the debt service of both the primary loan plus the debt service from the HELOC.

As a banker this is risk we talk about all the time, it doesnt' matter when you have 4-5 units, or even 10 maybe, but as your net worth increases and the percentage of it is concentrated into one industry, one asset, and one location, that's risky. 4. inefficiency in procedure.

Just tell them you used a service that pulls public records, such as homeowner information.

You can find a registered agent service (essentially someone who just forwards any mail) and do it that way.

@Adam Shelley the calculators don't include debt service in the 50% number because the 50% number doesn't include debt service. 

At asking price and at current rents its cash flowing even with debt service. 

The form I printed also contains a Certificate of Service, does this need to be stamped by a notary?

Coupled with rapid population growth, it’s driving an affordability crisis that leaves many residents looking for homes far from job centers and essential services."