Startup investing is good at this current market as there is no a lot of money so startup values are low.

I would say the automated values says X.

The $60,000 renovation budget presented a clear opportunity to add value.

Doing some risk analysis.Let’s say I buy a property now and market value drops soon by 20% is it better to have less downpayment such as 20%.  

If one is trying to exclusively use OPM then the value is there in letting the owner hold back a second mortgage.

Current Loan Balance: 100,952Interest rate: 3.75Mortgage payment + insurance/taxes: $1066Rent: $1500/monthEstimated current value: 227k Current cashflow: $369/ month, I also have a first american home warranty on it $68/month so after everything I net about $300/ month. 

Assigning your own value to "x" will affect the roadmap - What are your best/worst case scenarios, what is "x" for each scenario and what does the roadmap look like for each? 

Heloc How did you add value to the deal?

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Virtually every smart value add will add more value in the higher cost market than it will add in a lower cost market.