Come on folks, are you really willing to learn or do you just want  to play big dog?  

Comps to me no longer play the only role because of rates, seasonality, etc., it definitely fights the arguments on re-fis with the appraiser but I'm noticing there's just a liquidity issue that is skewing things.I try to essentially start at the floor and work my way up on the ARV as opposed to seeing the highs and working it down.

I have more than 20k to play with, just looking for ideas for best use. 

As others have alluded to, buying larger units or a house near the beach is a better play. 

I also think, the flat rate ppl are playing to a race to the bottom. 

no one is going to play that role if you don't.

There's pockets here for good multifamily, but the best play is to do some value add work to the property.

I called that person two more times just flabber ghasted that I actually got a banker to admit this info is legitimate with many more questions.

Playing around with my Excel spreadsheet and got to thinking about selling my rental property in the next few months vs waiting until it's paid off in Jun 2027. 

@Chris Seveney @Marcos A Miranda - you guys are playing with fire - https://www.biggerpockets.com/search?