Assuming you are able to eventually sell for 105k, then subtract ALL the costs of rehab, holding, financing, paying realtors, back taxes, etc... and your desired profit, you'll arrive at your maximum offer price.

.- Have info on file about how you arrived at the amount of the fee.

I'm not trying to convince you one way or the other, but rather implore you to arrive at your decision on your own, based on your extensive research and reflecting on your situation.

As long as the appraiser can "show me the math" on how they arrived at a specific adjustment, we're good. 

You need to understand the market cap rate and determine the NOI to arrive at the value. 

Thanks for the helpSome lenders will take your yearly income for the last two years and divide by 24 months to arrive at "monthly income".

I don’t have their secret sauce but :You could do a small direct mail campaign with personalized material (since there really aren’t as many multi family deals) arriving on 5th of the month when payments could be pressing and rents past due to a list of landlords with recent evictions, liens, and possibly with out of town owners.Essentially it’s putting yourself in the shoes of how you might have sell something discounted and off market and then reverse engineering the ways you can identify that scenario.

(I recommend Arlo's) That way if the next set of squatters arrive you can tell them to bug off since you can see them on camera.

There was a military couple in unit right before I moved in for 3 1/2 years so the owner said understood.So the military moved all my household goods in unit and unpacked it after they arrived on island and I found a house.  

@Tyler Mullen why did you say “1%“ of FMV... how did you arrive at that percentage?