Hello @Michael Carbonare,This isn't an apples-to-apples comparison—what matters more than the property is the tenant segment the property attracts.

I have even complained to Google and Apple and in astonished that the app is still available for people to download and get scammed out of money. 

You are mixing apples and oranges.

When you pull comps, make sure you're filtering for properties with at least 1+ acre or you'll be comparing apples to oranges.Running the quick math on a flip scenario at $235k entry:If ARV really is $360k and you're into it for $60-70k rehab (based on your "renovated kitchen/floors" note suggesting it's not a gut job), you're looking at $295-305k all-in.

Things may have changed now but when I was doing my 3rd or 4th VA, trying to do an apples-to-apples comparison of a VA and Conventional loan, the Conventional won.

Constantly shopping a deal will inevitably lead you to a bad apple and you will pay the price at closing.... 

That’s where commercial can outperform residential if structured correctly, especially early on.Retail vs. office isn’t an apples-to-apples choice.

If you dont trust your current lender, go get a competing quote from someone you feel you can trust and then make an apples to apples comparion. 

The way a commercial bank calculates DSCR is apples to oranges as to how investor DSCR loans are calculated.

If their $300k comp needed a full reno and yours is turnkey, you're not really comparing apples to apples.