Two different ways to go and both work well.

suggest you find a different attorney firm to work with...they'll take a cut, but worth it.

I’m in the 33% tax bracket through my real job and this could be a big difference in taxes owed if we sold the property?

The amount of money you make is in a different digit.

Your lender should be able to help dispute the appraisal if there are clear inconsistencies or missing information, especially now that the property is rented and generating income.It might also be worth exploring other lending options, as some lenders have more flexibility with appraisals or different processes that could work better for your situation.

Within my 20 years of experience, I've seen West and Central Florida offer great opportunities across different markets.

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.

It may be that they are underwriting the property at a significantly different valuation than what you are using or that they feel that you or the deal is excessively risky.

JD your one K&T light circuit with an LED light is a much different scenario than a whole house still on K&T.

The same street with the difference of a hundred house numbers can look drastically different.I hope this helps, rather than be discouraging.