They are not going to consider the artificially created equity using 36k as your down payment. 

Plus if you artificially increase the purchase price it won’t appraise and you are back to square one

We also installed an artificial foliage privacy fence around the pool in the backyard and replaced the pool sand filter.

We wanted to make sure each tenant had their own defined space within the home, so we added 3 section medicine cabinets to both bathrooms, and vanities with 3 drawers and labeled each of them so there was no mistaking what space belonged to what room.

They graduate as free -thinkers and go forth to educate their peers and their children.IMHO, you do no one a favor by keeping rents artificially depressed.....

Too much reliance on artificial intelligence to approve loans is what caused the Great Recession - and getting an applicant to cooperate with a loan application process is WAY EASIER than getting an applicant to cooperate with a rental application process. 

You are artificially trying to make a deal better - if its not a good deal now, assume it will never get better and ask yourself if you can live with that.

So by having 2-3% interest rates, it artificially inflated housing values.

You'd have to define 'overvalued', but generally, yes...people have been paying ridiculous prices for almost anything for the past few years.So basically a correction means that artificially inflated prices eventually have to come down as they have no basis in reality.

Oil- which affects all costs is artificially low due to the release of the strategic oil reserves.