Appraiser will check the rent schedule and if there were any improvements done.4.

IT can definitely be improved from an ROI standpoint with metered and reassigning all utilities, charging for laundry, renting garages to tenants, renting storage space.I own a portfolio of duplexes and single family properties that are doing well. 

So, if your current rent roll is still on the lower side, it could limit the amount you can borrow right now.However, if you have even a partial track record showing improvements.. say a few of the units are already updated and attracting higher rents.. a lender might take that into consideration when underwriting.

Over time, rents may increase, improving your cash flow, and you’ll gain equity and valuable experience managing tenants and property operations.

My suggestion to improve your cash flow is to find another bank/lender.

Let the agent know that while you’re interested, the property’s condition and local comps don’t justify the asking price.Taking a warm, conversational approach can make negotiations smoother and improve your chances of getting the deal.

In previous roles, I was responsible for the asset management, capital improvement, repair, and maintenance of an ANG Fighter Base worth over $400M.

We have our own design team, contractors, and real estate agency under one roof, which saves time, cuts costs, and improves communication across projects.

They may argue they couldn't pay you because they just made a $10,000 improvement to the house. 

I was overwhelmed with projects at the time but paid $35,000 and sold two years later without any improvements for $125,000.