I would recommend changing your mentality about business relationships.What I mean by this is: the lender is probably not "full of ****" or "bsing you". 

Whether or not it's ugly/cute factor weighs into the appraisal likely depends on the mental game of whoever is doing the appraising.

Since I was mentally 'full time' but physically splitting my time with my previous full time business for over a year after licensing, it took me 9 months of hustling, training, learning, offering, etc until I closed my first deal.

Cash now to pay down mortgage and invest for future vs higher rental income and potential increase in property/spot value over the next 30 plus years.Tax assessor value $30k, Offer $75k, rents for 300-350 a month by itself or boosts apt rental value by the same. 

SFR tenants are renters, so they tend to see the home as a temporary solution, while MHP tenants own their mobile home, so they tend to have more of a homeowner mentality.

I think you should figure out what specific areas you want to start looking to buy in, what kind of property you can mentally and financially afford to get into, and other things that will help you gauge where you stand.

@Jess Wood Congratulations on mentally being ready to pull that trigger!

This is because they don't offer the immediate equity boost of being able to raise the rents and fix up the property, nor do they allow an owner occupant to move in. 

Having been in BIGGER student debt than now, sometimes there's a mental victory from not feeling that weight.

Well thank you all for your replys rude or not.but yes I am moving on and he have lived at the residence for 7 years and paid my rent on time every month.im not going to explain anymore but yes in the state of California the landlord can' not enter your property or residence unless it is a emergency and with a 24 hour or 48 hour notice he or she can not enter without your permission.and for them to break my locks and go into my garage taking pictures and pushing on my door making threats that he's gonna break it down or go threw my windows that's not right.thats breaking and entering and breach of quit enjoyment along with alot of other rules he had broke.it don't matter if he owns the place or not that's also invasion of privacy and another charge could be home invasion.also he entered the day after he said he was within the 24 or 48 hour notice so he should have givin me another notice to enter.just because a tenant holds rent or goes threw a eviction does not mean they don't deserve to be respected as people.landlords or owners think they can do what they want because they own the place.well they can't they gotta follow rules just like everyone else.renting out your property is just like the tenant has ownership of it untill either the tenant releases it back to the owner or the judge untill then they have no right to force entry or bring a lock smith to open your doors.when you rent out propertys comes issues at times and always should be prepared.landlords should be aware of the tenants rights.also they should be aware if a tenant gets hurt on the property or there guest the landlord is responsible for that and suppose make sure property is safe at all times.so I got a bullet in my door and went threw the hall to my bathroom and my 14 year old son was home alone thank God he was ok but that's a security issue with the neighbor Hood hoodlums.and they say I gotta replace the door.nope.i got so much to say were tenants need to fight for there rights and stand there ground because alot of landlords are bully's and are unfair.they can be the nicest to your face and evil behind your back.and for your landlords to be telling your neighbors your situation and making fun of your mental state and your financial situation and your means of living is not right.i believe that is slander and due to all that causes emotional and physical distress.so maybe people should takes some notes.there wrong not right to enter if it's not a emergency.i stand by my beliefs