I think what most borrowers fail to recognize is that real estate is a long play.  

There is some nuance there that your accountant can assist with but in terms of asset protection truthfully nothing to be gained either way.

Once that is complete, allow them to work things out as long as you get the keys to rekey if you will (and I would) near/at the end of the month. 

Although all of the Los Angeles metropolitan area's twenty-one office submarkets contributed to the metro's recent rent growth, it is worth noting that the 0.8% asking rent growth rate of the past 12 months compares unfavorably to the metro's long term performance.Competitive Inventory, Employment, AbsorptionTotal employment in the Los Angeles metropolitan area increased by 14,200 jobs during the first quarter, representing a growth rate of 0.3%, while in the dominant office-using industries, employment grew by 4,600.

Lots of us do what he does and do it better or better terms and more leverage I know I do. and no one can fund as fast as me LOL  by the time he is  done doing a deep dive into your fico and your PFS and verifying your assets I will have your deal closed and funded !!

.- Find out how long the provider has been doing cost segregation studies and how many they have performed - Consider the resources available to the provider. 

This duplex is in a short term rental are that I currently operate in.

I like to self encumber so I have a chance to do a rate/term refi.

The property would allow for some value add, making it a potential long term BRRRR. 

They often have more flexible terms and can work with ARV instead of LTV.