With the higher interest rates and high insurance rates, I feel like it can put me in the negative each month. 

I don't know if that limit changes if the couple who is getting the gifts files jointly and PLEASE ask someone who does...but the concept is directionally right, especially from the giver side.

Motley Fool wrote a short article (attached below) that talks about some of the positives/negatives, and why Real Estate may be your hedge against inflation..check it out!

If you get the insurance assigned and it repairs the damage, then were you actually negatively impacted by this loss? 

(Note: They did not include deals that ended in foreclosure or had a negative profit compared to the original purchase price.

Cost segregation/bonus depreciation is a federal concept.

Have you had any negative experiences with his educational programs?

I have seen the concept explained as a way to use a HELOC to pay principle only checks to your mortgage as a way to pay off a loan in an extremely short amount of time.

It will have a negative impact on your credit and banks will view this as a much higher risk and potentially increase chance of getting rejected for financing

As far as the Loan Officer is concerned, it gets added back to your income and does not negatively affect DTI.