Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Or they run a scam where they pretend to be the landlord and steal prospective tenants security deposits.

Once you win the auction you have to put down a 15k deposit so I don't want to not have a chance of getting it back.

My involvement in this dispute of deposit money began and ended in those screenshots I supplied.

I think first step is to find legitimate comps that match and support your 130k valuation and dispute the report to give the appraiser a chance to fix the report. 

You take a deposit per usual and charge them for any damage beyond wear and tear.

Do the condition of the units match market rents?

For example, I have a main account that is for my holding company, sub-accounts for each property, and sub-sub accounts for security deposits and things like CapEx for each property.

They pay the sub by check , the sub deposits the check , pulls out cash and pays his guys in cash .

The problem is that there isn't a lot out there, and when looked into each comp extensively, I saw the numbers were deflated because they were 'as-is' properties with extensive damage, or properties with a well, and other mis-matched differences.