The appraiser in the area is taking the lowest property to do comparison.

But, it is typical corporate practice for any company to build a budget for each fiscal year, and then as they are working through that budget, there will likely be some reforecasting done based on actuals and any major events that will likely impact the original budget.But more importantly, you need to make sure you are asking for the correct comparison.  

No one has done a survey or has hands-on experience with all of the HOAs in Wayne County, PA for a meaningful comparison.

Correct, generally once you receive a good estimate by doing recent sale comparisons in the area of your existing property.

Just for comparison, I am curious to know the prevailing A-I-O loan interest-rates for a typical borrower with 720+ credit score and respectable LTV.. ?

.#6 Lower Maintenance Costs:In comparison to small multifamily properties, single-family homes with ADUs often have lower maintenance and repair costs.

But, I want to address your comparison to BiggerPockets.

The distributions are exceeding what I expectedFinancials are as clean as can be4) Transparency, response time, investor experience have been fantastic For comparison, I'm an investor in other syndicates that have gone the whole year without distributions or on the brink of rate caps expiring, let alone communicating well.

We have funds that could be used for either (primary residence or other investment) but I'm not sure how to do the math on this comparison.

Who was it to suggest that at the Olympics an average person should compete in all disciplines just for comparison purposes?