We financed a very large air B and B in big bear with tons of views and amentities the revenue took a 50 percent cut.

The rule is that your purchase price should be allocated between land and building in the same ratio as the value of each component bears to the value of the property as a whole.So let's say the property is worth $100,000 with $60,000 of the value attributable to land and $40,000 attributable to building (you can use any reasonable method to determine this; one easy way used by many is the assessor's split, though there are other methods that could yield a better answer for you).You buy the property  at a huge discount for $10,000

We have pushed the rent up each year to what the market can bear.

Bear in mind that a 203k property becomes eligible for the program because it would be otherwise uninsurable on a regular mortgage-- houses end up in HUD's possession for a reason, and they're often ugly ducklings. 

We are just finishing up the final three units, so hopefully the decision to go with 5 versus 4 units will bear fruit with future appraisals. 

For those reasons and a couple more, two units can be a bear to get to cashflow correctly.

The big questions would be are you making money according to your business plan with them at the helm?

@Julia W.This will be long-winded so bear with me.I am AD Army and an investor.

If drivers keep hitting this wall, according to the HOA, the homeowner bears the responsibility to fix it.

If she caused the damage she can bear all costs upfront to repair.