Then like many I was taken down in the crash.  

You can go through the math you used to arrive at that number, but you don't have to.

Imagine you'd been planning for months for a great ski vacation to Park City (that sounds great to me right now) and a month before you arrive, you find out that the people you've been dealing with, who have all the money, are no longer the managers -- and its high season so even if you get a 100% refund, you probably can't find a place.  

What if a neighbor's tree branch fell on the roof and came crashing through into the house? 

It starts at 6:00 PM (though you can arrive later) and ends around 8:30 PM. 

A good QI can generally help them wade through what they think they know and what their underwriting guidelines are to arrive at the right conclusion.

My mother was a realtor in Florida before the crash and I helped her often, so I liked the work... still do.

I am curious what tactics your hard or private money lender uses to arrive at a value in which they are willing to loan.  

It took a few weeks for the hard file to arrive from NAA, Harbour's servicing entitiy.I boarded the loan at FCI and hired a local experienced attorney to start the foreclosure process.

I am curious what tactics your hard or private money lender uses to arrive at a value in which they are willing to loan.Do they use a 3rd party appraiser?