All she has to do is adapt her life style to something more frugal, less expensive housing, reduce entertainment expenses, cell phone, cable etc.

It is move in ready and looks pretty nice, but not brand new reno style.

I set expectations up front to make sure we're on the same page and discuss my communication and work style too (I'm very direct, its a NY'er thing, and that doesn't work for some people.)  

If you build a marriot style hotel and only holiday inn is interested, now lobby finishes will not match corporate standards. 

@Ahmed Nijim the thin planks are coming back into style.

I understand that you want to find the comps in the area and you want to take the average based on the closest proximity to your home and style.

Since everyone's communication style is different and what they value can differ; every investor will have a different experience/response to each lender. 

You need to find similar properties in size, style, number of beds, baths, lot size, amenities. 3 active, 3 recently sold.

I managed a large complex for many years that was a dormitory style, 6 bedrooms in each unit— I felt like I was putting fires out all the time.

You can probably save more by downsizing  your present rental situation and live a more frugal life style as a tenant that as a home owner.