The rental market has softened in SF and that’s why the NOI estimate is less if I were to just market it for annual leases.

I pushed the deal forward with multiple banks understanding that there was a good chance a banker would get pushback from underwriting later in the process.

you just have to estimate them based on what the property needs.so if it needs a new furnace + a bathroom gut and remodel + new windows, you estimate that.  

Not a chance.  

I was in your spot at 23, took a chance, and started a business.

Larger owners tend to analyze market rents monthly or even weekly and manage rents (or incentives) the best way they can.As long as the owner is engaged, the chance of adjusting rents is higher.

By chance, did you move forward with the training?

Class action lawsuits might still be a practical solution to the problem, but, if the statute of limitations is not waived, there is no chance of combining the original cases as their time to file has run out.

I do have a pool company coming out to provide estimates. 

. - Rents are also a function of supply - 2024 saw the most new construction of multifamily units in American history (nearly 575,000 estimated 2024 deliveries of new multifamily inventory), and 2025, while not a record setting year, will see deliveries top 500,000 again - a huge supply increase.