I’ve seen investors combat this by providing very detailed renovation scopes, rent comps, and before/after photos to help support the higher valuation.Curious if you’ve found certain markets or lenders more flexible in working with investors on appraisal challenges?

Which means that you cannot just charge the remaining balance of the lease to the resident and allow it to remain vacant.

They also need to be flexible in where they live, if they want to own-eg if you insist on living in NY city vs being flexible and moving to a less expensive city, you're going to have a higher chance of owning a home.People also need to look at their finances and where the money is going-new cars, eating out frequently, expensive vacations, disposable life style, etc. 

Hi Noa, great question private lending can definitely open doors for investors who want speed and flexibility compared to traditional banks.

This allows for more flexibility down the line should they choose to refinance or sell one property, but not do so with the other (vs. a blanket loan that ties the properties together and which may have a release premium).Here's a quick example of what 2-4 unit residential loans would look like for buyers as long as the appraisals come back marked suburban (not rural - rural-marked appraisals will be capped at 65% LTV).With Baker University nearby, I think there's a good chance these don't come back marked as rural even though the town is smaller.

The TIC structure will give you complete flexibility on your exit strategy. 

See my post above, I am curious if you implement a flexible cancellation if you see similar results.

Quote from @Barbara Johannsen: I’ve seen that note transactions can sometimes be structured in creative ways  partial sales, flexible terms, or joint ventures.What’s the most creative structure you’ve used (or seen) in a note deal that worked well for both sides? 

On the other hand, the Airbnb option at your primary home may give you more flexibility with less financial stretch.Key Tax Points to Consider:Depreciation:Duplex only → About $15k/year straight-line depreciation.ADU conversion → Extra $50–60k basis added, with potential for cost segregation and bonus depreciation (front-load tax savings).Airbnb conversion → Similar depreciation benefits, possibly even more advantageous if treated as a short-term rental.Interest Deductions:HELOC interest is deductible as long as the funds are traced to the rental/rehab.If used for personal expenses or non-rental projects, it’s not deductible.Classification:Duplex/ADU → Generally Schedule E (passive activity limits apply unless you qualify as a Real Estate Professional).Airbnb → Could fall under Schedule E if you DO NOT provide significant services (no passive loss restrictions, but may trigger self-employment tax).Risk vs.

Quote from @Michael Santeusanio: In this market, flexibility seems to matter more than ever.