As someone who reports to sec for our loan portfolio - blows my mind how loans held for sale must be reconciled and valued frequently where as held for investment never have to be adjusted.

The client cup of tea is loan assumptions with value add.

Here is how I see it:Private Money Lenders:Companies: These companies give loans based on the value of the property and the borrower's financial situation.Individuals: Wealthy individuals usually care most about the property and the borrower's experience.

Put down over 40% and cashed bonds to get the home up graded How did you add value to the deal?

How did you add value to the deal?

Let me know if I can be of any value to you.

Then leverage the cash value to buy more properties.The guaranteed, permanent death benefit replaces the value of the future taxes due when deferral ends.Or the death benefit replaces the value of the assets themselves allowing you to use and enjoy more while still alive, and even offset taxes due on other assets such as tax-deferred retirement accounts.Repeat forever. :)

Subdividing and/or increasing the zoning up from R1 (typical classification for SFR) only increases the appraised values in my experience. 

Nothing had value unless it was "serious."

The RE agent said the floors have large gaps, the flooring is bowing in the kitchen, and other problems that buyers notice.I've talked to realtors about the value of the 2 KS properties and they all say it's going to be hard to get anywhere close to what you paid for those.