I guess I'm trying to figure out how they would destroy a place that you have put so much into. 

@Martin Neal yeah I thought the taxes where alittle high also but that’s what came from the listing agent from the rent roll , i just guessed with the water cost would be , because it’s a 5 unit with 9 rooms I just assume if it’s 9 people using the water it may be $300 since it not sub meter , I put more details in the description below in other information that I received from my realtor 

Rents seem to be accurate but I would have never guessed looking at the place. mattresses and junk in yard.

I guess I just never knew how to get started and maybe did not try hard enough either.

Internet is spotty here I guess.

You'll want to see Zillow's disclaimer on its Zestimate; it's about 12 standard deviations from reality...so it's a good quick guess, just not too accurate.  

I guess if I went that route, I can always refinance the property conventionally and pay off the hard money.

I guess different valuation methods for originators, lenders and servicers.

Guess it’s a state by state scenario.

@Jason DiClemente i guess you could look at it that way.