The entire lending industry today, including the appraisal piece that is supposedly the balance to safeguard the housing industry and financial system that surrounds it, including The Appraisal Foundation, is 100% controlled by the lobbying power of the banks, who get what they want every time.

General race relations in the United States and other issues that don't directly relate to real estate discussions will be removed, just as will political discussions, religious discussions, and other sensitive issues that don't directly deal with real estate.  

One of the things that Business schools teach is "sensitivity analysis." 

Not saying anything is wrong here just really curious to if this is really a valid strategy and what safeguards did you have in place to make sure you would be comfortable in doing it?

I'd call the bank directly (through a number you find on google, not written on the request for information) and get confirmation before sending your sensitive information.

Maybe I am too sensitive to your use of that word, but ignorance is a problem you can cure yourself.

If we start with a cash flowing investment, add predictable value to it, use a conservative exit assumption, and show sensitivities around that assumption, we have a predictable range.

Yes, sub-2's are okay, but obviously you don't want to do this on an underwater asset and if you do a sub-2 you need to ensure you do it properly to protect yourself and borrower as these transactions are very sensitive.

There are so many safeguards in place to protect our lenders.

Second, sensitize rents for a downside case in which you need to modestly reduce rents to keep occupancy levels high.