I have had conflicting advice from cost segregation specialist versus our CPA.

Hi @Abdullah Al-mamoon, there are DSCR loans out there that allow a minimum of .75/1 ratio versus the standard 1:1 ratio.

There are different codes used for NSF versus fraud rejections.ACH bank transfers and paper checks are equally secure.

Feel free to message me if you want to discuss more.Does this help provide some guidance on weighing the pros and cons of buying versus renting first?

But when you are trying to compare how to spend money versus non-real estate alternatives like stocks and make sure the juice is worth the squeeze, IMO you want to do a proper underwriting. 

This locks in your monthly expenses, versus  HELOC that is variable, and matches well to the long term hold of the rental.I use HELOCs for shorter term capital needs, i.e. flips, or even possibly the acquisition and renovation of a rental, but always with the belief that I will have it paid off in under a year, typically 6 months.  

I think it might make more sense for me to continue to rent my current apartment due to the conveniences and being able to walk to work versus moving into one of the units in the multiplex as I had originally planned.

Also have some experience in ground up, but large lake houses versus MFH. 

The average kitchen comes out to around $1,400 in cabinetry versus $800 from the box store.

Money is made on the margin aka the cost of money to you versus what return you can get from using that money.