Appraisals on helocs and refinances are always conservative.

I have to be less conservative and try and push the value that it is actually worth.

I would be getting this house for 35% of low conservative comps.

I do commercial financing for 80% of the price 4-5% interest and then ask them to hold a second note for 10-20% with 5-10 year terms.This let's me conserve my down payment capital for other deals, and gives them a chunk of cash and some income.

To be conservative assume a bank will lend 70% of the ARV.  70% of 157,142 is 110,000. 

ARV is $82K conservative.

They were very conservative with the loan and the appraisal.   

We actually have comps as high as $276k, so the ARV of $250k is a little on the conservative side.  

You can budget around 4% of the sale price to cover these.This is a conservative formula.

Previous project management experience, networking extensively, and estimating everything conservatively have served us well so far, but that will vary from person to person.