Does the project really justify that increase or is this a realtor selling sizzle rather than steak?   

One house and mortgage and you have a vacancy it hurts.  50 houses and 5 vacancies everyone still gets paid with no trouble, just might not be able to go to the steak house.

I originally thought buying in Richmond was smart because it seemed like the closest place where the numbers made sense and I could always get down there to quell an insurrection if need be-- in honesty the only time I braved the soul-crushing purgatory of I-95 down to Richmond was when I went to look at listings with my realtor. 

Cook at home, and don't be buying any steaks or lobster for the near term. :) 

Investment in a Qualified Opportunity Zone Fund is the closest comparable.  

I tried calling them and the closest I got was to the representative of one of the district offices.

I think I have a good property manager in the town I'm looking closest at.

Two of my closest friends were born in Birmingham and Montgomery go figure. 

The opening bid published on the notice of sale is the closest/quickest figure you are going to get, unless like I said before, you have a copy of the statement from the borrower and a copy of the legal fees from the trustee beforehand.

The closest in person approved by DPOR that works for your schedule.