All great points.I’m leaning more towards #2 as my upfront capital invested for repairs is much less, I’m still cash flowing positive about the same monthly, and the property will already be rented satisfying that requirement for the loan.

I've done multiple properties with @Zach Lemaster at Rent to Retirement and I'm very satisfied with the experience.

Even if I can get an appraiser to say my property is worth more money, I still need to be able to satisfy the debt payment.

@Leonard Rybak- 1) if you have time on the deal ( 2-3 weeks )  -move to a new lender if you are  not satisfied   2) if time is short -outline all your concerns / questions on an email and ask for feedback ...if  anything is unclear or  unacceptable - address it  asap 3) trust your instinct and dont use them on your next deal

You will find people satisfied with their services all over on BiggerPockets. 

My properties are all A and B grade, so the tenants are usually very satisfied with the quality of product, and most of them recognize that they're getting a deal.

BTW I have no affiliation with Lee Phillips - just a satisfied customer. 

@Andrew Domingues I've been satisfied with my experience with Cozy.co   My only gripe is that it takes a few days longer than I would like to have availability of the funds (3-5 days) but there is no cost to the landlord.  

Where I live in PA they actually just (last month) changed the laws making it easier for a judge to foreclose on an LLC to satisfy judgment.

Your Studio tenant will likely never be satisfied.