Since the Dodd-Frank Act and HVCC (Home Valuation Code of Conduct) in 2010, most lender appraisal orders are given to amc's, where they may charge the client one fee and pay the appraiser a significantly lower fee, as well as causing other headaches dealing with them.

Expensive lesson learned

This can be quite expensive. 3) Make sure you buy furniture with a high weight capacity. 4) This arrangement doesn't attract the best tenants.

They also have lower monthly payments because of the needed mortgage insurance.

As many of you know, Tampa is expensive.

If someone is working with a lower balance of funds like I am, than I'm more likely to prefer cashflow so that I can continue to afford the property as well as my life style.If I had some disposable income that was in excess of what I need to live on, than I'm more inclined to look forward towards appreciation because I would have enough wealth to take the hit now for the bigger payment in the future. 

At $150k it's no problem to hit $100k, lower and it would have to be approved. 

I want to be the one to find them that lower rate.

That's possible, but expect a lengthy timeline and significant expenses.

Our team performs the repair (we are usually lower than other vendors) 2.