Any other scenarios or details I'm not thinking about?

I would work with the lender and put together a well thought out Reconsideration of Value (ROV) with better comps and detailed reasoning to justify the higher ARV.There are lenders that don't do appraisals for hard money loans so you could try that in the future to avoid these situations. 

Hey Alvin,Yes investment HELOCs are an option depending on the details. 

I sent you a connection request to get more details. 

Search by property address: Use the property address to find the owner's details in the property records.

Are their listings detailed with good-quality photos?

Display shows details for the given unit which can be viewed, updated, and saved.Rent Roll View: Customizable view that allows me to select a given property’s rent roll and view, batch update, and save information.

Are their listings detailed with good quality photos?

BTW, in your example since you didn't mention having signs up about the sealcoat (the one very pertinent detail), then of course your office would likely be liable to pay for their shoes.

The engineer can help with this estimate, but local contractors are the top source for getting this info.