Treat appreciation for what it is: a possible reward for an investment done right."

Cross-reference information from multiple reputable sources to ensure accuracy.2.

The biggest reward of owning and managing vacation rentals is much greater than financial; the friendships I have made with people around the country are priceless.  

@Matthew Irish-Jones thank you for the reference

What does that refer to?

Explain to your contractor that you need a reduced price and if he/she will accommodate you will always bring your business their way and you will refer everyone you know to them.  

For reference I am in Indiana.

@Luis Hinestrosa- thanks ....contact your colleagues / friends for lender referals and then contact them with your scenario and questions and then make a decsion ....if a lender knows they have been referred - there is a tendency for them to provide above average  pricing and service 

Refer to your PPM.5.

Market value typically refers to the price a property would likely sell for under current market conditions, while property value can sometimes be an assessed value for tax purposes or an estimate by an online tool.If you're seeing a significant drop in your property's value, I’m guessing you might be using Zillow.