Pay for someone to write you a scope of work with app pricing.ARV- pay for a desktop appraisal with upgrades listed.

I currently have an iPad and a desktop computer that runs windows 10.

I have Excel on my phone and on my desktop.

Process to establish was pretty painless and only costed $300 all-in in with a desktop appraisal. 

Some do desktop underwriting, which is akin to the Zillow estimate, because no one comes to view the house and the value is from recent sales and Price for the square footage. 

The two greatest examples of this are submitting loans to Fannie and Freddie which use Desktop Underwriter ("DU") and Loan Prospector ("LP") or both can use Desktop Originator ("DO").  

At the higher end - desktops all the way up to the servers that process all your data - Intel is the big dog.An interesting book on this topic is "The Innovator's Dilemma" by Clayton Christensen.

There is no fixed DTI ratio if they are using Desktop Underwriting (DU) which they usually do.

I just turned 41 and my background and career for the past 17years was in Desktop and Systems administration.

So I took about two dozens of pictures with flash on, and that night I loaded them onto my desktop and zoomed around and looked.I feel like a CIA analyst on a recon mission looking for WMD LOL.