We set our expectations and some firms adjust and some don't.

The most common portfolio style loan in Texas is a 20 year adjustable rate loan.

Some banks ask us to go into different neighborhoods and even back more than 12 months and then apply an adjustment to that comparable.

The most common portfolio style loan in Texas is a 20 year adjustable rate loan. 

Some portfolio/commercial loans are 20 year adjustable loans.  

On most tstats, the amount of time of the delay can be adjusted in the settings.

Many policies for vacant property exclude theft with the exception that some (builders risk and COC) may cover theft of “building materials” - since the AC was already installed it would be a stretch to call it building materials.Last - I bet you have ACV coverage for this type of loss which means they will depreciate for the age of the AC before paying out on a claim.If the cost of the unit is $3000 and it’s 5 to 7+ years old it would be adjusted heavily for age - maybe 50%?

This doesn't really affect the purchase price but it can work the other way around. ie, if it's being assessed as $100K and you pay $200K, potentially your taxes could double once they adjust the assessment to reflect the purchase price.

We do post/beam projects often to add value and adjust floor plans in our rehabs. 

@Wayne Brooks sorry maybe I'm misunderstanding something about mortgages or perhaps I'm explaining poorly.What I mean is that you could adjust the initial loan amount and interest such that 90% of your monthly payment was interest.