Finding a loan officer who comprehensively understands their underwriting guidelines and the nuances of real estate investments can significantly streamline the process and set clear expectations from the start.In many cases, lenders operate in a structured manner where loan officers initiate the process and then collaborate with processors to gather necessary documents and address any underwriting revisions promptly.

But just recently the city of Milwaukee did an annual assessment of that property and went up 30k in value. 

Plus you have to deal with HOA restrictions, possible special assessments, etc.

The town now has it assessed for $1.1M which he fought the whole way through the process as he is a lawyer and knows the system and can do it himself for free and has gotten no tax relief.

They're just going to give you their honest assessment of the community. , the other thing I often do when I'm starting to evaluate a new market, I subscribe to the local newspaper or the local business journal and doesn't cost that much, usually $5 to $10 a month.

Its hard to make broad appreciation vs cash flow assessments without looking at the individuals goals and situation. 

What do you do to assess properties and make informed investment decisions?

In addition, a personality assessment is included, and helps you understand what's driving your behavior, financial decisions, and then how to leverage that and select a financial strategy.

I usually say something like, “we encourage future potential guests to read all other guest reviews of our property for an honest assessment of what to expect.”

Every owner wants low HOA Dues and then something expensive comes along and they all cry that it's not fair they need to pay an assessment.