Really looking into building a healthy portfolio and generate a healthy cash flow to spend time doing what I love (traveling).

As an example if you can do it a spread of 5% to 6% is very healthy and can probably be achieved in today’s rate environment but it implies a return of only 10% to 11% which is not bad but may not compensate for the inherent risk. 

From that, I developed a theory that no healthy young person ever experienced a failure of their refrigerator or window A/C during the summer. 

Years later when I ran into my own problems I latched onto that advice along with healthy eating (i.e. the selenium in sunflower and pumpkin seeds help give you a positive attitude - no joke), exercising and listening to positive empowering music (I'm a positive hip hop fanatic - check out Dead Prez's 'Refuse To Lose'.)Embrace the energy you feel is making you "nearly homeless" and turn it into steam to move forward and succeed.

If the property cash flows at a very healthy level, this may not/should not matter.

Sure the Realtor may be a liaison between the two parties and they may interact but in no way shape or form do the two work for one another....Appraisers in this environment seem to error on the side of caution based on what happened in the past it seems...As a result unique properties end up suffering because the value isn't in black and white and the appraisers aren't as creative/adventurous as they once were in a different era..Good luck but I agree with the majority, if you still have a healthy profit go for it as if you roll the dice the appraisal may even come in lower next time..best,Chris

I'd put down a healthy down payment on this property - 30% + to create extra cash flow. 

I think it is healthy to have next step goals as well.

If the property or market has problems that require seller financing, the investor will require a healthy discounted yield to compensate for the extra risk.

Debt-coverage ratio is a healthy 1.30.It was my plan to hold these assets until retirement (I am 44) and pay them off.