You can have an elevation survey done on your property. 

Verifying all past payments, elevated complains with non-availability upon your response...

I would elevate it to anyone and everyone in government and see if someone will step in to help.

- While home prices have risen for 97 consecutive months, July’s record-low mortgage rates have made purchasing the average-priced home the most affordable it’s been since 2016- Buying power for those shopping for a home is up 10% year over year, with home buyers able to afford nearly $32,000 more home than they could have 1 year ago while keeping their monthly payment the same- Each of the 25 largest markets are seeing their strongest affordability in more than 2 years, with falling 30-year rates elevating buying power for potential homeowners across the countrySix states – Louisiana, Arkansas, Iowa, West Virginia, Kentucky and Maryland – are seeing their lowest payment-to- income ratios in more than 25 years- While the fallout from COVID-19 continues to weigh on the broader economy, record-low mortgage rates and improved affordability appear to be providing a backstop for the mortgage and housing markets, with 19 of the 22 major markets analyzed seeing their median price per square foot rise from May to Junehttps://www.blackknightinc.com/black-knights-june-2020-mortgage-monitor/

But I was in love with my fantastic, next to the MPC, at the base of a mountain, elevated, saguaro and ocotillo studded, good water, access, power nearby, future cash cow land.

Normally we recommend not doing any cosmetic work for 8 weeks which gives the framing and drywall time to adjust to the new elevations.

We received 2 cost estimates for the rehab along with an initial code analysis to look at the possible elevator and fire suppression requirements.

Yup you'd really have to study your comparables and know the formula from which the appraiser will use to determine value there are three methods:- Comparable sales approach (residential sales , 1-4 unit income properties)- income approach - 5+ units/comm/indus/office- cost approach - unit/special use properties (chruches, very old, etc)Using comparable sales approach which will be given the most 'weight,' with residential 1-4 unit properties and know the most recent sold properties, the differences, the elevation, the location (back corner, T street, culdesac, etc), upgrades, floor plan, sqft, school district, amenties, how recent the sale was, and how much a reasonable buyer in the market has paid for these variables will determine the value of your home to an appraiser.Ultimately if the home will not appraise we will not lend above and the buyer will need to bring in cash to set the new ceiling on comparable sold properties if they are that bold to do so.

I have seen one place that actually had a lease in place for an elevated rent.

My banker is noncommittal until he sees the survey and elevation information, but I think I want to pursue this even though it is low lying and may start shopping the Fannie/Freddie lenders even though this may be small fry for them.