The bank valuation should obviously be a useful objective view on the valuation of the property.

Occasionally, I will get an objection from an off-market homeowner that "might" sell saying...

They know the market, understand contracts and law, are experts at negotiation, provide a second (objective) set of eyes, and more.

@Paul Bogard Any real estate agent who promotes themselves as an agent who is a specialist on renting out bedrooms should be moved to the bottom of the list of people to take real estate advice from..... 

Many new investors claim to have analysis paralysis, but that's usually an excuse for either a lack of confidence (you need more meetups and more authentic relationships with other real estate investors) or shiny object syndrome (you want to house hack, but you like apartments, but also flipping, and what about storage).

If you have massive liquidity then you might overcome that objection with the lender. 

Location of accountant: some accountants will charge more if they’re in a higher priced locationGeneralist vs specialist: if you want someone real estate specific, it will likely cost more.

I do have a little objection to your "I used OPM to pay down my mortgage...plain and simple" comment, inasmuch as you still owed those "other people" all the money that they fronted you, until your money paid them off, right?

I understand that everyone has unique goals, and responses will vary depending on those objectives.

Repositioning my portfolio is the main objective for 2025.