I'm a newbie as well so I think we'd be a good match.

Go out and hire another appraiser to provide detailed, comparable sales data that match your property.

But with rates so low it's not hard to match or beat the cost to borrow.. just make sure you have the warchest to survive the storm and keep your operation afloat.

Until the market corrects itself, consider that bonus profit.

I bought a homepath property in 2018 for 247k and the bank had installed two fancy new split unit acs and heaters in the bonus room.

Grout lines were all uneven, corners didn't match up.

Properties that match their numbers may just hit the market or off-market occasionally, but the chances of a new invested being ready to buy something that does before it disappears is small and if they do happen to be ready, when the bidding war starts, they're out long before it's over because they think it's overpaying.

For reference, I've seen around 2 out of 70 deals reviewed in those areas match up with MWC numbers in the last couple of months. 

Things like 401K match, health insurance, dental, vision - whatever it will go away.Union workers will have their union dues will go up.

Congrats on your bonus by the way!