-bought for 180K-conservative value today 250K (potential net from sale - 50K)-conservative potential rent - 2000 / mo (potential net monthly cashflow - $800 /mo-currently a small pocket neighborhood with no through streets that feeds into a great elementary school and good middle-high school "Problems:"-our street, currently a dead end is about to become a through street that will become a major shortcut for another 300 or so house development to our West to get to the highway and the grocery store.

So you go from a conservative account and expand into a more aggressive account once you know exactly what is working for you.

ARV  430, but lets say conservatively 400k.4. @ 400k ARV, the LTV @ 75% is 300k. @ 70% 280k.5.

FCB is one of the more conservative banks in Columbia based on my experience.

Thanks for all the great responses guys.Reason why I ask, is because I’m a very conservative person.

Make sure you run conservative numbers and benchmark against the data.

Educate yourself on rehab costs and be conservative on your re-sale ARV's.

I wrote about one of my experiences here:  https://www.biggerpockets.com/renewsblog/colossal-fail/Properties that had been owned for a while and were conservatively leveraged were the most likely to come out fine.  

I would also go conservative on the LTV less than 75%.

In turn that will give me a total equity of $55K in the property, based on the ARV (using a conservative number).