Point is create a paper trail and soon the appraiser will stop getting calls from the Appraisal management company (AMC) who works for and in favor of the bank. 

While the housing market nationwide remains neutral, Atlanta joined a growing list of large Southern metro areas that have tipped in favor of buyers.

That can play a role in aquiring favorable terms. 

I sued them in small claims court, and now the judge has issued a default judgement in my favor.

I have also considered just getting an Investment Property loan and dealing with the less favorable rates and terms.

I refinanced the construction loan into a blanket loan and operate it like a 4 unit multi-family and achieved more favorable valuations being appraised as 4 separate condo units.

These debt instruments havestrategies best suited to them; MLI Select, for example, is most favorable fornew-build (we have several MLI Select loans).

DSCR loans don't require personal income verification or a debt-to-income ratio, making them ideal for properties with strong cash flow, even if the current owner has credit issues.Here's how it could work:You could use a DSCR loan to refinance the hard money loan, securing more favorable terms without having to involve the seller's credit.Since the rental income easily covers the property’s debt service, you’ll be in a good position for lender approval, bypassing the conventional mortgage route.This approach could allow the owner to stay in the house, while you take over financing with a less restrictive structure.

The rents are still growing on the smaller ones too as I think the rents compare favorably for people coming in when they look at a nice hotel room for 150k to 200 a night or a one bedroom cabin for 200 a night. 

From the ones I have seen the cash/equity split appears to be very lopsided in their favor