. -100k repairs The sales agent said, the ARV would be 400k for this particular home... some comparison homes are alittle higher 450 to 550what do you suggest the offer on this property should be?

@Jean Camille Get an comparison on conventional loan so you know which option would be good for you. 

Moment number one – after receiving my real estate license and feeling I was spinning my wheels, my employing broker used two comparisons for me.

If you are planning to pay back HELOC within 2 years, lets assume you would need 130k for down payment to do the apple to apple comparison and plan to pay back in 2 years. 

I may reconsider the SFH because I know this market definitely has an abundance of them in comparison to MFRs.

I’d like to draw comparison to an investment apartment in one of capitals of east Europe.

It gets easier with time and just remember as uncomfortable as these calls are, it pails in comparison to the discomfort caused from not making any money :-) hang in there.

And that's awesome, I haven't lived in enough areas to draw a comparison but I'll definitely be finding out.

This is important because our properties were appraised with commercial land sale comparisons, in addition to residential home sales.Anyways, my focus now is on how to best use the settlement in regards to taxes and investing opportunities.

As a comparison: the CFA program (the gold standard in finance) can be done for less than $10K.