BIG DIFFERENCE ANY HELP WOULD BE GREATLY APPRECIA.TED Hi Luis, I'm not a wholesaler but I'm basically a robot who talks in numbers and you got a lot in there.

I got to BiggerPockets by a co-worker and since then, I have been listening to podcasts, reading through forums, etc.I work on the Robotics industry and I was lucky to get a job out of school where I was traveling 100% of the time (allowing me to live on my company expenses and save 100% of my paychecks).

I simply use the autoinvest robot on wealthfront and just hope it makes good decisions...yes, I know, I need to better educate myself on how to do these things myself!

Not to get off topic, but ChatGPT or AI data may be taking over more of the "information" jobs than worker robots.  

My own experience, FO very fickle, today here, tomorrow there, depends on how sophisticated they are, and how they are staffed up to review and underwrite your deal submittal. 

So the job market of entry level unskilled workers is going to almost evaporate over time and much sooner than most people expect.There is an upside to all this... as incoming immigrants have proved time and time and time again many generations can live in a 1 bed 1 bath apartment, the human race has one real down fall... most mammals know to quit breeding when resources become scarce, but Humans like to scratch that itch so unless pleasure robots get really super popular and dirt cheap uneducated economically challenged people will do what they do and the result will be the exact same as it is 9 months after every black out that last more than 4 hours... even though there is no work babies are still going to be born As the flood of under employed people start to flood the housing market the wear and tear on the rental homes will be greater and the rents will have to go up to compensate for so many people living in a small area.

If you are aiming to get full value for the appraisal you can do a few things, some of which have been mentioned above:1) get a formal brokers price opinion...on letterhead, with signature and submittable.

You talk to a robot and get told to submit an offer, no verbals or negotiations prior.

These aren’t programmed robots -People suck and will let you down it’s part of life .

The ACH provider service differentiators are frequency of ACH file submittals and overhead fees charged. ...So these services are direct deposit (or direct debit) transactions.