I have never understood how seemingly rational people can expect to extract intrinsic value out of these products when you have to be smarter than TENS OF THOUSANDS OR MILLIONS of other people to do so.

I don't know of a service that provides this.The NAR and local state real estate commissions track certain data but it varies by state.One state can have 2 mls's for that state and another could have one for every other county.So with broad data is basically useless as you are trying to extract data in your local marketplace.You could track how many agents in the county by the REALTOR board but it would not include non-REALTORS.You can get tracking data from your local state commission but they charge you for it.What are you trying to do with this data??

The $4k of costs is certainly high for a SFR in this price range, but considering that you're extracting almost all of your investment, your ROI is still huge, so be glad you have access to CO money using your appraised value.

I can still do an extract for the acccountant.

That said, it is possible to make adjustments on the sales comparison approach from data extracted from the income approach and the reverse holds true as well.As an example, let's say there weren't enough data to show what buyers would be willing to pay for a 3 car garage house versus a 2 car garage house (in this example assume everything else is identical).

My view is that it is a “rule” if you are to extract your full investment via the refi.

When I think coupon rate I think of bonds:Coupon Rate Definition To MeI am sure there are other parasites that extract yield spread and such for a mortgage.

I would not recommend extracting a list from the total list because you'll have issues with duplication or inconsistencies if you ever add to the list.

It's not quite as good as just looking at straight payback period due to the time value of money and discounting future cash flows (or cash savings in this case).If you're planning to hold longer than 5 years, and you don't expect to refi in that time period either (to extract cash or to get a lower rate--not likely), then paying several points is typically advantageous.

Not sure if you'd see that anywhere other than the kitchen, though - and you said that it is in more than one room ...Maybe it could be wallpaper related, if they had (or planned) wallpapering.Since it is REO, it could even be former occupants extracting some "revenge" upon the bank in the form of "abuse of house".