You can average the amounts or use the higher $29,000 figure if it reflects market conditions, as long as you document your methodology and provide evidence, such as sales data or an appraisal.

Flips are sitting on the market longer now with higher interest rates - I just walked through an open house of a flip in San Francisco.

So higher inventory, longer days on market, but prices are still up approx 5% from last year, and pending sales are up. 

I always look at current ARV and use that or lower for my sales price, never higher because I can't guarantee the market.

before you go searching for higher priced HML.. check with a local credit union or COMMUNITY bank..

The probabilities of heavy losses due to default are much, much higher with 2nds than with firsts.

•Phase-Outs and Limitations: Certain tax benefits phase out at higher income levels.

The goal is to be in the top 10% so you have a much higher chance of getting booked, first breaking even and then creating cash flow because that is the goal of any business.

The higher the PV, the greater the appreciation gains on both PV and equity.

So they charge a higher price for their services and run through a much more rigorous process.