It can't be rationalized by using emotions...it has no emotions. 

I have doors in Memphis and Detroit and I only target properties with a rent to price ration of 1% or better.

I am not saying the sky is falling, I am just saying I think flood risk is not currently rationally priced by the market.

So I don't think I am making this decision emotionally.I just want to make sure I am making a rational decision, since this property will not cash flow but it lines up with my long term goal of buy and hold.If this were a 30 year loan, I don't think I would even have these concerns.Thanks for the feedback.

We as humans tend to over complicate things and rationalize it in our minds as needed steps to achieve a goal and its just not so.

You are only promoting participation trophies and rationalizing poor marketing.

Rational thought should be used.

Curious to hear your thoughts on why this happens, because I can't come up with a rational explanation for an appraiser to single out investors seeking loans as a class.

The many bad reviews we have on that google page (& boy there are quite a few of them) are not necessarily from rational people.

You WOULD think, if you had the information before AND if the homeowner was rational.