In many cases the grading, widening required will be too difficult because of the topo and the difficult permitting process.

Obamacare was too expensive for the whole family coverage (mind you, my W2 job didn’t qualify me for a discount rate) and although CHM was cheaper it only covers major medical (without guarantee either), and no coverage for pharmacy, annual physical or instacare clinic.

If you are talking 1 single tenant property I have seen up to 75% LTV with an investment grade tenant BBB- or better with a long term lease and strong location.

I'd like to add the process I take my investors through.1) Evaluating  a deal sponsor Investment evaluation for most people (regardless of the grade) starts out with evaluating the deal sponsor. 

@Kent Nielson I have a builder friend of mine that is pretty frugal and smart and he builds apartment grade at $105 per sq ft.

Yup, a grade B+ recipe for pricing SURGE, not decline, which would be an appreciation surge. 

I think you'll want to check out The Ultimate Guide to Grading Cleveland Neighborhoods 1st & foremost.

The electrical outlets seemed to me to be early 1980s commercial grade, very professional, just circa 1980s style. 

I use Agreeable Gray from Sherwin Williams contract grade 400.

The only stones with serious value are top grade rubies and emeralds, and those are so rift with fraud that it is considered impossible to purchase a good stone that hasn't been colored or glued.The only valid appraisal is from the Gemstone Institute of America.