I've owned a 6-unit for about 6 months now, and the water/sewer bill is higher than expected.

Then you'll have to figure out how you fund the project (land purchase + build costs).

It will have to go thru township's approval, but I need to figure it.

You can find comparable sales in 2017 and use that dollar/acre figure to arrive at the fair market value then. 

It's a good practice to overestimate costs and underestimate after-repair values (ARV) to keep your expectations realistic.

There will always be posters who come out of the woodwork who claim to be able to beat terms or meet borrowing expectations.

@Jared FisherRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

Positive Home Value Growth ForecastWhile the pace of home value appreciation is expected to moderate, Zillow forecasts a 2.8% increase in Buffalo’s home values for 2025, indicating continued market strength.In summary, Buffalo’s combination of strong job growth, relative affordability, limited housing inventory, strategic location, and positive home value forecasts solidify its status as the nation’s hottest housing market for 2025.

I expected much more.Lesson learned.

But since i rarely held more than a year all the others got paid off quickly so I did not have to do all the hidden tricks to try to fool the bank or well not fool the bank or servicer but make it harder for them to figure out I was now the owner.