If this is a 1-4 unit residential loan, most appraisers and lenders are going to use the sales comparison approach.

In comparison, an average business person has been getting screwed by the real world for the past 4+4+6+2= 16 yrs, and you never hear their horror stories.

I'm happy to provide you a loan comparison of Conventional VS FHA and single family VS multi family. 

As a comparison, the S&P 500 index fund I use is returning 22.42% over 1 year and 18.69% year to date.You can't beat ~20% in real estate?

We only do single family homes, so it's not an apples to apples comparison, but the average national turnover rate is about 40%. 4 of the last 5 years our turnover rate was under 6%, and in the last 10 years we've never had an eviction.

This isn't a peer to peer network where people trade stolen music, so do you think that's a good comparison?

Sounds about accurate.What you should be focusing on is hopefully you are getting a return(Cash-flow) from your rentals and you are not paying tax on that.This would be better in comparison, to other investments such as dividend or interest income.

In comparison, 2023-2024 has been a hiccup.

But this typically isn't the sequence of events since it seems like you are going to be installing new LVP , so have the contractor repair the soft spot first then install the LVP. 

Not saying it is easy, but in comparison it is much easier.