For this reason, many investors choose to work with companies that are more investor-focused which often use surplus lines carriers....think Lloyd's of London, Allianz, etc. vs State Farm, Allstate, etc.

Become energy independent and start selling our surplus to Europe?

There used to be a surplus of funds and now there is a shortage.

I've been involved in surplus funds for quite some time.

@Denise Evans  is there still such thing as Tax Surplus being that the bidding is interst only or am I missing something?

A simple formula to test if a HELOC will work as a mortgage is Balance divided by Surplus divided by 12 equals Pay off in years.

Be sure the ARV is a good number based on what you plan to improve.Why are you showing a surplus of $10K?  

The latter may correlate with the capacity to earn surplus cash flow, and it is possibly what you mean by "undervalued" here.

Well it got bid up to 24k and 19k in Surplus is coming back to my business.

Here's an interesting analysis of potential markets for the Amazon relocation.https://medium.com/migration-issues/no-room-at-the...It looks at markets with a surplus of housing currently available, metros that have competitively priced housing, places with sufficient labor pool, plus a few other items to ultimately get to an overall grade for potential metros with Philadelphia, Washington D.C. and Chicago topping the list.