Honestly, I think it's tough to make the numbers work unless its a $10mm project that you can qualify for a HUD construction loan at 85% LTV 40 years fixed.

If I'm trying to purchase a specific commercial property, I've seen that one method of raising funds could be a syndicate.

I reached out to local banks and credit unions for a HELOC to finance another purchase and was told I can only get 65% LTV. 

In my business, I find note deals, then others fund the deals.

Before exploring it, it's important to note ARV is a construct used more with asset-based lenders than with more traditional, credit-based lenders, where LTV or loan-to-value is one that is more prevalent. 

Mine calculates everything including retirement, education funding planning, life insurance need and many more. 

Banks will typically lend from 65% - 80% of the property's value (LTV).

The issue is: where do I find a legal basis/precedent to knock this down before I spend ALL of my retirement fund standing up for this principle in my so-called Golden Years?

We aren't even close to depleting those funds yet, but I try not to use them and save it more for an emergency situation.So at the end of the day I'm not worried about having to fork over money for the repairs.

If you're married and have lived in your primary 2 of the last five years, you can avoid taxes on a resale up to $500k....A HELOC on your primary will carry very favorable terms...I recently got one for 97%LTV with unbeatable terms...You'll get mixed opinions here about the option to re-fi (some people are calling this BRRRR or something like that)...If you could tell a bit more about what direction you are trying to head with your investment plan I may be able to give a more informed response.