Meaning, the lender will usually determine the average tax % for the area after improvements have been made and they'll use this amount to determine your debt ratio as opposed to the original/artificially low taxes that are assessed on the raw land.     

We just would create an artificial floor for the top 3% of the wealth to get more real estate.

Go look at similar listings (size, amenities) on Airbnb or VRBO or wherever you're listed and see what the cleaning fee is for a 2 night stay.Some day you may wish to hire a cleaner, and it will be a rude awakening if you were artificially inflating your occupancy with no cleaning fee and all of a sudden have to add a cleaning fee.On the other hand, while you're still starting out, getting a lot of bookings and reviews right now is the most important time to do it.

The scope of repairs include: complete renovation of master bathroom, kitchen, and guest bathroom.I spent about $1,700 on materials for the master bathroom (vanity, lighting, tile, grout, 2 medicine cabinets, cement, drywall, etc.).

You would think a riskier borrower, or a riskier deal would drive interest rates up- but it's artificial.

If they have owned the property 15 years, due to Prop 13 they pay an artificially low property tax (relative to current value).  

I am about to say these illegal immugrant thing is pre-designed to keep the rate artificially high.

For the last 10 years, interest rates were artificially low-it was not normal. 

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