But what we do have is time and skills: My wife is getting her RE Agent license now and I am a Graphic Designer, Illustrator and jack-of-all-trades in advertising.

If it’s such a tiny - but steady- slow leak that appeared to be from somewhere inside the wall, (let’s assume for illustrative purposes about 2 tablespoons of water leaked a day for X-number of days) down to the stop angle and from there, onto the floor, it’s not going to be noticeable until it’s done some potentially serious damage (in my case, the ceiling below this leaking half bath was showing black mold and water damage).  

Meanwhile, the inventory of completed new homes available for sale is down a massive 48.1% over the past year (illustrating just how strong demand was in 2020).

Can you clarify the problem area you're facing or give a solid example that illustrates the problem you're running into.

Make sure your investment property supports itself in a way in which it does not matter the external conditions.Here's a dumb analogy that I like to illustrate the situation:The way I see it is if your cow gives you milk every day, you will not care how fat it is, however if you need to slaughter it to eat, you will definitely want it to be fat and that may not be the case.All the best to you!

I'd never message a lender that way but I totally agree with the difference you've illustrated.

I’m certainly not banking on appreciation, but my point in mentioning the home next door that sold 2 years ago is to illustrate the market value at that time, and since then the market as continued upwards and values would have appreciated.I guess I was looking at it more through the eyes of an end buyer and what they would see as desirable, rather than taking more into account for what the appraiser would see.

A question to illustrate this is why would you walk over a unit owner's individually maintained deck to maintain its roof, gutters and exterior building surface but then exclude the deck? 

To help illustrate my question with a couple scenarios:- You take out a HELOC with a $120,000 limit and borrow $50,000 for a down payment, closing costs etc. on an investment property.

Yes, the 401k permits a participant loan, and I can view what the payments would be with principal and interest figures illustrated.