If you stick with conservative loan to values then chances of a loss are slim, there could be delays in getting paid but you should be able to preserve capital with the lower loan to values.

You may find value in joining market specific fb groups. 

How did you add value to the deal?

The third-party appraisal came in at $110,000 so regardless of if you "know" the property is "worth 120-140ish" , we can not lend based on your opinion and must utilize an independent-third party value. 

So lets say you depreciated the value down to $50,000.

Some items, like the A.Y.C.E. buffet at the Palms, offer great value, while others may not align with everyone's preferences.

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

If it helps, it is 15 mins from where the new Chula Vista Bayfront project will be ('they' say it will raise home values). 

I don't know which city you're thinking about buying in, but if it is a growing and appreciating market it's worth keeping in mind that home-values/rents will most likely go up over time.

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.