📊 The Truth About ARV - Why Lenders Rarely Believe Yours 📊

[Stevan Stojakovic]

📊 Every investor loves to pitch a big ARV. After-Repair Value is the number that makes the spreadsheet shine and convinces partners there’s profit on the table. But here’s the reality: lenders rarely believe the ARV you submit.

Why? Because investors inflate ARVs all the time - sometimes from optimism, sometimes from sloppy comps, sometimes from outright hype. Lenders know it, and that’s why inflated ARVs are the #1 loan killer.

Lenders don’t underwrite your best-case scenario. They underwrite market reality:
– Tight comps within half a mile, sold in the last 6 months
– Properties that actually match in size, age, and finish
– Rehab scopes that align with the resale price you’re claiming

If your ARV doesn't survive conservative scrutiny, your deal dies before it gets out of underwriting.

I just released a video: “The Truth About ARV - Why Lenders Rarely Believe Yours.”
Inside, I cover:
📉 How lenders calculate ARV vs. how investors pitch it
📑 The data sources that carry real weight
⚠️ Why inflated ARVs instantly destroy credibility
📈 Real examples of approved vs. denied deals

👉 Watch the full video here: 

👉 Submit your ARV comp set - we'll give you a lender-ready reality check.

Lenders don’t fund hype. They fund reality. 🚀