We need a healthy down payment, but luckily with the shift in pricing we appear to have a lot of room between what's left on the current mortgage vs. what the property will most likely appraise for...The main problem I am trying to tackle in my head right now is if refinancing in July when we close in October/November (and we will need/use conventional financing for that home) really a good idea?

My issue is this: I need my place back so I can clean it up and make it look presentable for the appraiser because I want to cash out refi.

In this situation we needed to prove to the county that the home was worth less than tax value so I walked the home with an appraiser, was able to show how much work needed to be done, provided documentation from my contractor.

Nothing is guaranteed but the fact that you bought it for xxx dollars that shows the market value of the property, and if you have an appraisal to back it up and can strengthen your case.

There are NO shortcuts to accomplishing this process, you either need to hire someone who knows how or learn how which takes time and lots of practice.For ARV, you must use SOLD comps just like an appraiser would use within 1/2 mile and within the last 6 months (although many markets now need to be within last 3 months since price fluctuations have increased so much.

Option B) Option A plus see if you can get their insurance payout assigned to you.Option C) Demand they fix it, have them cancel on you and try to guilt them into paying your inspection or appraisal expenses.

The slow boat in the fleet right now is appraisals, which have been swamped by demand and delayed by obsolete covid guidelines that they are still milking. 

First check with your bank, then banks and credit unions, but, they will want an appraisal on the property most likely along with your first born.There are note buyers who will buy a portion of your note, like 4 years worth at a discount, you would need to shop them.It would be easier to sell the note in whole or in part with a repurchase agreement at a later date.

We're now about to reach the 6 month seasoning period that most lenders require and currently in the process of closing (waiting for appraisals....hence the TBD mentioned in the above comment) on a cash out refinance loan that comes w/a line of credit for up to 4-5x's available liquidity.

We're now about to reach the 6 month seasoning period that most lenders require and currently in the process of closing (waiting for appraisals....hence the TBD mentioned in the above comment) on a cash out refinance loan that comes w/a line of credit for up to 4-5x's available liquidity.