This is just me and my process personally - at that point that I was going to Credit, I knew that there was a deal for us to offer to the borrower, and I would not be expecting a black and white NO answer.

At 46 years old and plenty of experience as a landlord and investor I have learned that nothing is black and white with clear answers, let your life experiences inform you on how to act with your tennants.

@Samantha Black, precisely, couldn't agree more. 

I don't know that there is going to be an "official" way of valuing these properties but my thought would be to value them both as residential and commercial properties and see what the numbers look like compared to each other.The good thing about valuing them as the seller is (commercial) is that you are at least valuing based on black and white numbers.

Again, there are many resources here on BP you should check out.You might also consider attending a local real estate investor group such as Black Diamond REI in southern MA or RIREIG in Rhode Island, and talking to other wholesalers in your area, maybe meeting up with some for coffee, etc.Good luck and keep us posted on your progress of course!

By that time black algae took over. 

I've got two little girls that are a year apart and I could imagine that triplets are a handful.  

Not sure if the IRS rules are black and white or shades of grey.How does "value" get measured? 

These posts make the decision to be black n White when in reality a lot of analysis determines if a property meets your investment criteria.  

@Patrick JacksonMostly it's jumping on the phone with each other every day and texting one another like we are teenage girls.