If there is a disparity on loan estimates for either of these items, at least one of them is wrong, and the APR may be based on unrealisticly low costs. - Quality absolutely, 100% makes a difference when it comes to lenders.

Unfortunately, I don’t think everyone is as detailed and going so far as to request a photo of the water heater serial number so they can check the units age, and have unrealistic assumptions about their coming costs.

We would love to connect with other investors who have done creative financing, rolled equity over, done battle with loan limits that are so unrealistic, or even moved their money out of state?! 

It isn't unrealistic at all to expect $15k cash flow from that I paid my STR pm >$75k last year to manage my 4 STRs.

Homeowners and Investors need to stay on top of them and be assertive, (but not unrealistic.) 

- if you want to get more money, the answer would be still to wait the 6 months (example buy at 100k, repairs 20k and ARV 180k, probably unrealistic but in theory you could get then 135k which is 75%)?

That seems unrealistic even for a foreclosure. 

If your plans for the future are crushed and you feel like giving up because some dude on a web forum like me (whatever my "stats" are and what's in my profile) told you they were unrealistic, maybe I'm right and maybe I'm full of crap.My wife and I are a fantastic example of how real estate can be a thoroughly viable option to change your life and find a way out of the rat race.

They know that’s a death blow to their company which is why they’ll instead dilute us by tricking unsuspecting investors into a new pref equity raise with unrealistic returns.

Here's a map showing where these rentals are allowed: Vacation Rentals Allowed MapHomestay Rental - Lastly, there is the option of a "Homestay Rental," but these are unrealistic for most investors.