Sadly the underwriting seems to have been an oversight in the areas you had mentioned, of course sponsors will always cast the brightest light on every situation but we and they must remember we aren't paying for their education but expect the experts to lead the investors thru experience and wisdom.

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

Cook , he's an expert on the mountain. 

Beyond that, you need to become an expert on labor and material rates in your area or get connected with someone else that is. 

Knocking off $4k for that additional bathroom let's say it's $170k ARV, looking at this for a flip and using the 75% formula and a $120k buy price that only leaves $7500 for a reno budget - I'm no expert but I'm pretty sure it'll take more than that! 

As mentioned, I would definitely seek out the advice of experts in those specific markets depending on where you decide to go. 

More broadly, would be great to connect with local experts on this forum. 

I want a specialist that's an expert, and not a jack of all trades and master of none.

But also if I'm able to make a deal with the tenant for an early 10 year lease renewal I have the option to sell and reinvest.Any help from you experts in the field would greatly be appreciated

.: @Damian YoungInteresting... but not for meFor starters, while I am not the expert in this, making a loan that you don't expect the borrowers to pay back is somewhere between unethical/immoral and predatory.