This might change.

It all comes down to the rezoning criteria (which is about to change for Denver in Feb).

.  :-)  Reflecting on 2024, what is everything thinking will change in the coming year? 

If you take the $653K out of loans and put it in the cash line there would be no change to the total adjusted tax basis and therefore capital gains would be the same.

However, just to set expectations, they most likely won’t make any changes unless there’s a clear error in the valuation.That said, since the $1,000 increase works out to about $83 per month, I’d suggest checking what the market rents are in your area.

This has been true about every technological change in the industry - those who fail or refuse to adapt lose while those who embrace new tech win.

What do you do to ensure that the tenant is responsible for security deposit disputes since that is the largest reason for owner lawsuitsHow familiar are you with the newly changed laws that can affect you the owner if they are not used correctly?

If there is a renter in place, you may be able to do a cash out loan without changing who owns it. 

If you have a good understanding of your market, asset class, risk profile, etc. this ratio can change accordingly.

* What do you do to ensure that the tenant is responsible for security deposit disputes since that is the largest reason for owner lawsuits* How familiar are you with the newly changed laws that can affect you the owner if they are not used correctly?