SFH with ADU if in a MF area can be comped with duplexes but in most areas they are comped using SFH with ADU and in the absence of appropriate comps, the appraisal will be via adjustments and the adjustments associated with ADUs have horrendous valuations.I do not sell but virtually all my loans have been less than 5 years.  

Adjust your strategy to match the market.Find an add value and play the long term game.

And that’s not even covering any loan guidelines or rate adjustments for whatever HML you go with.

Incurred claims and loss adjustment expenses were $20.0 billion".

Hi Matthew, yes you can take out 80% on DSCR cash out, you could even do 85% but there is a fairly steep pricing adjustment the higher you go.

Freddie Mac: "The appraiser may also need to consider whether the income approach, cost analysis, market surveys or other methods are appropriate for supporting adjustments.

The only reason to lower current rent amount is if rents are dropping in your area, and then you should likely analyze and adjust if tenant can easily find something similar for less.

Far below market rents in CA with the rent cap and rate adjustment - you're spot on.

Company adjusted differential - improved.  

Their hit rate is maybe 40% so I still have to manually skip 60% of the leads myself, which is a huge waste of time.