But there is a timeline and an appraisal that need to be done I think.

The appraisal I had back in November last year came in at $1.97M and it's currently active for $1.7M at 40 days.

Used to be a commercial appraiser and thats how I did it for reports I was getting paid to write because we had to show proof the comp was confirmed and Costar provides that service.

Appraised value (can pull this from my realtor or just from internet searches) ($368k minus $68k land = ~$300k)Should I give the CPA the higher number ($300k) or the lower number ($200k) from my options?

Another deal I had an offer only 2k under asking, cash, no inspections or appraisal and lost out to a asking price financed with inspections/ appraisal owner occupied. 

I planned on just doing a refi on my first two properties but the appraisals just came in too low.

Some HML may be ok with desktop appraisal/BPO compared to a traditional lender.If you are doing renovation then the draw process i find private lenders to have more flexibility in regards to draws and number of draws. a HML is more convenient but you will pay for convenience. 

I’m Curious of your thoughts on selling one of your properties while owner financing only the appraisal gap if needed. 

Fast forward a few months, we refinanced the building and sent the construction lender the $2M appraisal and nicely told them our loan was the least of their problems and will never borrow from them again.

BUT, if buying a new investment property you can use 75% of the appraiser determination of the new property.If on the tax return, you can use short term rental income OR long term income.