I doubt that the bank has specifically coached the appraiser on your deal, though the appraiser may know that this bank wants them to be conservative.

Days trips to plovdiv, veliko turnovo or burgas or sofia are all easily possible from here by car or coach.

With that being said, even Michael Jordan had a coach his entire career.

And then you go on to say in another typical Bill post that I must be offering some coaching program.

In other places with other gurus it's a Gold program, Platinum Coaching, etc.  

Under promise / over deliverRead some good books:  Steve Berges (Complete Guide to Buying and Selling Apts); Dave Lindahl (Millions in MF)Can send you a sample of an old deal so you can see how we structure if interested ping me in PM.Consider a coach that focuses on MF if you want to get big fast.

My coaches said it's mandatory to have this done.

Treat it like a hobby, you will spend your valuable time and money like hobby.As far as coaching, I had many coaching experience with day traders.

Ditto getting sucked into mentors, who should be those you have a personal relationship with and take you under their wing for free because you like one another.If you want to pay for a coach, make sure he or she is worth it, is not a competitor, and has your interests at heart.

I’m looking for a successful best-selling musician to mentor and coach me for a future fee based on my iTunes sales.