Appraisers are using MLS data and often it is lower than actual rents. 

I have been much happier and less stressed since switching over to them. 

Hi @Elias Halvorson,Both markets offer lower costs of entry and opportunities for cash flow.

Typically needs 20% down, but offers lower rates and you can ditch the PMI (private mortgage insurance) once you reach 20% equity.

Mean while i would be building equity, and if rates do lower, or when the term ends, could refi for better rates and then maybe cash flow.My questions are:Is this too naively optimistic?

This could help smooth out cash flow in the long run by locking in a lower rate and reducing future payment pressure. 2.

I used the lower of rent amounts for analysis. https://www.biggerpockets.com/analysis/rentals/ee5f6928-93ce... is link to the BP Calculation on it.

There are definitely options for less than $100k, just depends on how much lower - $75k is doable but less than that gets a liiiiiittle tricky (although still doable in some cases).

Just like bonds & stocks, different properties will have higher & lower risks.

I went to every one of the 65 hearings myself and got 61 properties lower and 4 remaining the same.