Do you want to send your handyman to check stuff out in someone's rental unit? 

Quote from @Jay Martin: Has anyone heard of or used Bluebird lending they have dscr loans, etc. opened in 2018 in Philly, lend in a bunch of states, but hard to find info on them. have not heard of them but based on the website appear legit.

@Rene Brodowsky appraisers, like most workers, will take the path of least resistance if allowed.Appears they are using an AI system to valuate your home.As suggested already, you may want to request an actual appraisal, which you will have to pay for, and send your own comparables to Huntington Bank to try to guide the appraiser.Otherwise, you may need to try a different lender.

New build maybe a bit aggressive getting into real estate unless you have a builder as a partner in a deal to see the full steps or stages that go into new builds.Why new build?

@Andrew Nguyen, the contract you signed allowed them to do that?

They wanted to do that but it would mean it wouldn't clear for up to 21 days.

The picture they used was more of a B or C market location.  

You may want to find a private lender, sell something, etc…The mortgage lates are going to keep you from any bank/mortgage products

Going to be interesting to see what sort of impact the new Government's mass deportation policy has on rents and construction costs.  

We'd be interested in taking a look and providing an additional opinion to the offers you may be getting.