@Shaydon Childers   We do have a program that we will get an appraisal of the property as-is and lend 75% of that appraised value for well qualified borrowers.

I'm particularly concerned about improving the property enough to ensure it appraises at the necessary value to recoup my entire investment.

I am sure you already know this but appraisals are unpredictable to say the least. 

With regard to property taxes and reassessments, it’s always best to use the tax estimator and you can go as far as even calling the county tax appraiser to get a more firm estimate so that you do not get blindsided by a higher than expected tax bill.

Already determined:Sell price Buyer pays all fees, no appraisal etc.What they are now asking (opposite from original post):86% downSeller Finance remaining 14% over 6 years with interest only payments first 3 years and interest plus $1000 last 3 years.

Now before anyone suggests meeting with a realtor, getting an appraisal or looking at comps of recent sales to get a more accurate figure, I'm fully aware of those options. 

During the Due Diligence Period, the Buyer shall have the right to conduct, at its sole cost and expense, any and all inspections, examinations, appraisals, surveys, environmental assessments, and other evaluations deemed necessary or appropriate by the Buyer.Financing ContingencyThe Buyer's obligations under the PSA shall be contingent upon obtaining financing in an amount and on terms satisfactory to the Buyer, in the Buyer's sole discretion.

There are fix and flip loans where the total loan amount needs to be $100K between rehab, property purchase price and buyer down payment (usually 10-20% for a fix and flip loan depending on the property and borrower credit) (so the property before rehab can be worth less than $100K).If you are looking for a loan for an investment property you won't be living in that doesn't require significant rehab / ready to rent / is already rented an option is a DSCR loan.Some DSCR lenders will go down to a $75K appraised value and a $55K loan amount. 

For numerous reasons we decided to sell, and received at offer from the Church that was one of the occupants, for a price equal to appraised value.  

Property is estimated to appraise at 950k. total price is 1.1mm.