I've never once had any success arguing with an appraiser or trying to convince them of anything whatsoever. 

I submitted all the paperwork into the Bank and now the bank wants to do an appraisal on the home however the ex spouse isn't cooperative whatsoever and won't leave the home.

I had never owned my own home, nor did I have any knowledge in the field whatsoever.

If you imagine a property's income to expense ratio to look like the teeth of a handsaw, either pointed up or down (depending on your market), you want to select the tips of the points for consideration of where/when to sell.If your sawtooth is pointed perpetually upward - i.e. a rapidly growing area where property values and rents are increasing faster than the house is deteriorating - you might keep it "forever", or for a very long time, as each sawtooth tip will be higher than the previous.

As such, I have no intention whatsoever in trying to convince the party who posted this comment otherwise.

It costs you nothing to sign, and there's not a ton of teeth behind it -- mine basically says that you'd be willing to pay my fee if for some reason a FSBO won't (hasn't happened to me yet), and that you'll actually terminate the relationship in writing instead of using the skills of the agent and then ghosting them.  100% of my buyers sign one -- it also authorizes my to act as a single agent, give them full confidentiality and disclosure (not the default in my state), and negotiate on their behalf. 

Am I strictly stuck to loans or do I have to grit my teeth and save until the sun turns grey?

Cut my teeth a little by upgrading everything, however it is a very solid cash flowing building with low maintenence now!

It's like pulling teeth from a crocodile. 

Tons of info around here for you to sink your teeth in.