@Jacob Sampson  Self storage has become more in vogue these days. 

I purchased the property with no expectation of appreciation (real estate fell out of vogue at that time).

I just recently joined and am an artist so I did a keyword search for artwork and found this. 

Assets can include automobiles, artwork, collectables, etc, in addition to traditional sources like real estate or financial assets.Let me give you an example. 

not sure where it all of a sudden became in vogue not to pay your mortgage then blame your lender !!...

Hi Nate,Just off the top of my head (without addressing your question directly).If you know what you want--have pics from the internet it will be easier than propose an idea, change, propose an idea, change etc.On screen artwork is much better than the old (and beautiful) (Mad Man Style) hand drawings.

Many of you probably have heard about Beeple selling a piece of digital artwork for $69 million recently.

I have seen minor savings on some artwork and hiring soils engineer for the project.

If you have any doubts....here's the exact verbiage from Fannie Mae:B3-4.3-15, Borrowed Funds Secured by an Asset IntroductionThis topic contains information on borrowed funds secured by an asset, including:• Borrowed Funds Secured by an Asset• Secured Loans as Debt• Reducing the Asset by the Amount Borrowed• Documentation RequirementsBorrowed Funds Secured by an AssetBorrowed funds secured by an asset are an acceptable source of funds for the down payment, closing costs, and reserves, since borrowed funds secured by an asset represent a return of equity.Assets that may be used to secure funds include automobiles, artwork, collectibles, real estate, or financial assets, such as savings accounts, certificates of deposit, stocks, bonds, and 401(k) accounts.Secured Loans as DebtWhen qualifying the borrower, the lender must consider monthly payments for secured loans as a debt.If a secured loan does not require monthly payments, the lender must calculate an equivalent amount and consider that amount as a recurring debt.When loans are secured by the borrower’s financial assets, monthly payments for the loan do not have to be considered as long-term debt.Reducing the Asset by the Amount BorrowedIf the borrower uses the same financial asset as part of his or her financial reserves, the lender must reduce the value of the asset by the amount of proceeds and related fees for the secured loan.Documentation RequirementsThe lender must document the following:• the terms of the secured loan,• evidence that the party providing the secured loan is not a party to the sale, and• evidence that the funds have been transferred to the borrower

Antique furniture, really nice one-of-a-kind artwork and wall hangings.Now if the guest mentions a birthday/anniversary/special occasion etc, we will leave some treats, even beer, wine or champagne depending.....There is no set way to do it, just go with your gut......what would you want to see when you walk in the door?