Thanks for the explanation about how you do it.

I wouldn't have made a fuss over $40 if they had explained why - but I got NO response and NO explanation.

Perhaps I have been fortunate or they are particularly efficient in the states we focus on.But yes, our advertising of closing from _as little_ as X days is quickly tempered with an explanation of the variable speed of appraisals. 

Thank you for detail explanation Scott.

I can see why you are annoyed, but the amount of time you will spend on trying to get this appraiser a light reprimand (which is all he would get because he will have an explanation like above) will not be worth it.

@Keith Linne nice explanation!

@Tyler Helton COC = Cash Flow/Investment BasisSee this great article for J Scott's explanation.  

:Originally posted by Steve Babiak:Pat hasn't been on BP in like two years ...Moderators - please find him so he can tell the rest of the storyPat's profile indicates gender to be female, so her is the word you wanted to use ...Joel - nice detailed explanation!

@Robin CoxThank you so much for such an explicit explanation and details.Of course, I did not want to throw lots of information on my first message.

HOA is around $200/mo and taxes around $3500/yr.The second question I have is more hypothetical and involves an explanation on leverage.