Blogs and forums make it sound like every top producing loan officer was getting a little something something, but when it comes to investigations, there has not been a whole lot of evidence that this is happening.I find it pretty much impossible to point to evidence of kick-backs unless somebody is whistle blowing, because where would these payments be reflected in any of the loan docs at closing?

If I pretend that none of that will ever occur, I can claim an extremely low expense ratio today, but it won't reflect reality over time.On the other extreme, the big apartment building (the pink elephant) that I purchased in January has one apartment that has been vacant for a couple of years.

Yes, we have already seen and may see more price drops just like the rest of the country but in general, current prices are a reflection of what the market will bear out here.Now, I can't argue with you that things are overpriced (I also grew up in the Midwest) but it's all relative and a tradeoff that some of us choose to make.

If you have an older house that was added to decades ago, and the county records do not reflect those changes (they did not obtain permits back in the days when this was not well policed,) the AVM will kick in and a huge discrepancy will occur in perceived value.

I was curious how long a property must be operating at the new NOI before it could legitimately be reflected in the worth of the > property on the market.

Dear fellow BP'ers: "I'm honored to be here with the eternal general of the United States, mi amigo, Alberto Gonzales." please don't forget that"I think that the vice president is a person reflecting a half-glass-full mentality."

But, maybe the reflects timing of different loans rather than different states.You should always assume you will have to pay one term of insurance when you buy.

My kindness will be reflected in my bill!

In CO they seem to reflect at least a little bit of reality as the sales price from the HUD-1 is recorded at the county office.An "indpendent appraisal" is conducted by a (generally state) licensed individual as is relied upon by buyers (sometimes) and lenders for determining their level of risk.

In CO they seem to reflect at least a little bit of reality as the sales price from the HUD-1 is recorded at the county office.An "indpendent appraisal" is conducted by a (generally state) licensed individual as is relied upon by buyers (sometimes) and lenders for determining their level of risk.