One is selling for $369k (ARV appraised at $415k) Hard Money lender balance $254kMy own money $75kand the other for $519k (ARV appraised at $595k).  

The Midwest and Northeast regions have shown consistent growth, driven by balanced supply-demand dynamics.

.: @David DachteraA well balanced response. 

This required previous rental property ownership history and a personal balance sheet the bank used to underwrite their risk.Due to these barriers to entry, I have been exploring a zoning change from B1-1 to RM 4.5 thinking the change will open up the pool of potential buyers with the ease of residential financing.

Home equity is 6-7% depending on length 5yrs vs 15yrs a 30 yr mortgage is 6%...Ideally rental stays rented out bringing in 1/2 of mortgage payment on new house based on numbers and is already cash flow positive bring in $1200/month (worth about 180k)and new property is going for 240k going rental price is about $2,000/month but I owe 18k still on private mortgage- reason I want to pay it off (4% flat 720 interest from cc for 1 year) to have it 100% paid off, then use home equity to pay off....or try to balance transfer balance after 1 yr which ever is lower but I figured that would mess with debt to income ratio and with this property being brand new, which is hard to find being located outside of closest major city...goal is to keep house rented out till it's paid off while also being cash flow positive with both properties combined and using paid off/ nearly paid off 1 to pay for 2nd rental, so I'd say lowest debt while also building wealth/equity not worried about a monthly/yearly profit per say as long as someone else is paying down the mortgage ie: my current property is bringing in $1200/month but current market value says it should bring in atleast $1500-$1600 but the tenant is phenomenal so she's paid same rent since 2017 I've put about 36k into between mortgage payments for 2 years and some up keep...she's put in the other 130k!!

Her credit score is good at 745 and frankly, we could pay off some zero interest credit card balances that would likely bring her score up near 800.

If you were bidding on a property that went to $101,000 and you only had $5,000 on deposit, you would not be able to bid the $101,000 - you would be "out" due to lack of funds.If you won the auction for $100,000 - the $95,000 balance is due the next day, in certified funds, at the court clerk's office.  

How do you recommend I balance efficiency vs completeness in this type of analysis?

Like @Joel Forsythe said, have written proof of his refusal to complete and even print yout emails and texts showing that you continually requested him to finish up.Then get someone else to finish and let him sue you in SC for the balance.

@Frank PatalanoChange in job that pays more and paying down credit card balances.