Gallinelli's advice about considering the time value of money seemed like a very important factor in determining the overall potential for earning a profit on an investment and I really wanted to understand how to figure that out.

It still seemed healthy to me and after this tax year, business profit has been very well.

Seems like it's a wobbler ( as-is value vs what is owed ) based on what you are saying?

i fiddled around with that on some properties I was looking at and it seems to be an awesome resource!

They key to their success is people just like you who give a quick glance and just go with the flow.. where as looking back it might seem odd that you'd get such a casual email for such a big change...

- I don’t know the area but you seem to have a lot of competition for sale and most have been on the market a while too, as per my first point.

@Adam Hale based on those numbers the 1% rule applies so it seems alright, but there are other factors you have not mentioned that are critical. 

I used the cash flow formula found  on BP but it seems that the cash flow is small if not negative.

It seems that there are a number of fixer-uppers and foreclosures out there that tend to suppress values.

It seems to make sense to get a Heloc(if you can) and use the funds as needed for other projects.