I wrote a post on how to find comps and calculate ARV that you might find helpful: https://www.biggerpockets.com/blogs/8814/68395-how-to-find-real-estate-comps-and-calculate-after-repair-valueTo answer your major concern, when you get comps that have a large range, there’s usually a reason that you have to dig deeper for. 

It has been going up 15% for the past couple years. https://www.weknowboise.com/blog/real-estate-market-trends/ That's not to say I want to 'bet' on appreciation, because I do not want to be playing that game.

@Csilla Veress A couple of books that may help with understanding PV (present value) calculations, as well as note investing in general, are:Invest in Debt by Jimmy NapierPaper Profits by @Joshua Andrews  (my personal favorite)This blog post by @Mike Hartzog may also be helpful:https://www.biggerpockets.com/blogs/5359/41924-doi...PV is the way most note investors do pricing for performing notes, but for non-performing, you'll want to build an ROI calculator as  @Chris Seveney suggested so you can look at various exit scenarios and take into account costs like servicing, legal fees, insurance, etc. 

They helped us with blogs and getting our company on our local map with google searches and getting us to be the first company to pop up in some areas.

I am happy to discuss in private messaging and love hearing others experiences and opinions, I have learned so much from everyone here and the blog/books at BiggerPockets, so please share with me your thoughts.Thanks,MAK

I've written about this for the BP blog as well. so when they give you the hud, you tell them "here, add 25K for rehab, and it's gonna go to this company" and you give them the invoice from the contractor.

There's a good bp blog post I read on this subject yesterday that goes into a lot more depth on the subject.

@Jared G.Welcome to BP, and congratulations on making the decision to invest in your future via real estate.I have written a few blog posts that may help you get started here on BP, and with your investing.

@Eddie GonnellaWelcome to BP, and congratulations on making the decision to invest in your future via real estate.I have written a few blog posts that may help you get started here on BP, and with your investing.

I wrote a blog that shares a lot more if you want to read it.