If you pull comps and write your letter, the appraisal does not have to change his Opinion of Fair Market Value, however he should/has to within the report address why your sales were not utilized and or why they are not considered reasonable comparable alternatives.

I did a five page report and 15 min power pint presentation on him for an interior design class last semester.

I do not suggest any area over another but report what 1. 

I just sent some direct mail and ordered them from http://marketlikeawholesaler.com/ The only reason I mention it is because others have reported amazing results on podcast #132.

I would probably ask for 2 determination letters - the latest property inspection findings/report and the latest financial determination of the tenant to see what portion of the rent they are responsible for.  

Additionally if you have a windstorm mitigation inspection report or devices you can receive a discount on the premium.  

I've spoken with a few local CU who all seem to have the same script: minimum 2-3 yr and closing costs are waived, otherwise if the account is closed then the CC come back to me to be paid; 10 yr draw with remaining 20yr as payback; can do renewals after the 10yr period; no application fees; usual credit report and appraisal of the primary property; LTV up to 85% for one and 70% for all others I looked into.

Also it states "Funding is subject to a clear and unencumbered title report and lender’s appraisal of property and condition thereof".

Do I need to report to someone it's a rental now?

Rhett P.First off, "O.N.E." is an O & E which is an Owner's and Encumbrances report, essentially a title search on the current owner for any liens on the property in question.