Maybe some day it'll stop snowing in PC.

Most lenders do a desktop/drive by appraisal.

@Robert Perry how can I switch over to accessing the desk top version of BiggerPockets?

I've been using it since the start and it's pretty simple and just a couple hundred one time fee (just buy a desktop version, no need to subscribe to the monthly one and the breakeven on that isn't very long at all).  

What's happening here is what happened to music with the ipod, video with streaming, pc games with Steam, etc...technology came that allowed something to be faster, cheaper, and easier. 

As far as Quickbooks, do you use the desktop or online, and pro or pro plus, etc?

Its actually pretty simple and most county court houses you can research free on there pc all day long.

I love the idea of being able to control the ads/display settings from my PC at home and the fact that you can add as many ads as you want (within reason). 

I would suggest calling an appraiser and for between $25 and $100 you can get a value check or a desktop appraisal and find out what it is REALLY worth.When your ready to put yourself between a rock and a hard place you need the facts - might be the best $100 you spend.As for a refi - you do not have many options - getting financing yourself doesn't seem to be an option - so - get a partner - mom/dad/ brother/sister friends neighboors - just know you may forever ruin that relationship so be prepared to lose that relationship over the deal.

As I said my current PC is colored card stock with text.