Perhaps you're more bothered by by our anti-guru sentiment, and not our anti-note sentiment?

They are not able to assign a value to things like roof age.

I wish I started to look into RE at that age! 

Its extremely important when running tighter margins like what you're talking about to focus on age of HVAC, water heater, appliances, roof, etc.

Not all do, and there's potential those carriers won't accept the risk for a myriad of other underwriting reasons, too- age, current condition, etc.

This is recognized by financial planners, bankers and other experts from coast-to-coast as a valid strategy where it meets the consumer's need.I don't take ANYONE at their word because of their age, sheep skins or experience. 

I think their general stance is going to be to go with whichever comparable property has the greatest degree of similarity in terms of (probably, in this order): location, age built, quality of construction/current condition, and square footage.

Age wise that's not bad and is pretty typical for investment class assets here in Memphis.

If you borrow against the equity, you'll need to include that payment in your calculation, as well.You make 3x the average income for Pennsylvania at the age of 32.

@Andrew Liu you did not list the age of the house.