I know that many of you have had numerous experiences so what better way than to get advice from you all.  

@Paul Ewing Thanks for the detailed explanation!

I will look at my subject property numerous ways to see what I think the real ARV is.

Considering how many investors come across absentee owners in numerous housing market across the country and back; on an ugly house we think of it as nothing.

Even though there are options there, I'd prefer not to touch those funds for numerous reasons. 

To attempt an explanation while drunk. 5.

Here is one report mentioning this sort of inspection elsewhere in PA:http://dornish.net/proa-board-meeting-december-200...http://dornish.net/proa-needs-your-help-for-its-le...http://dornish.net/fall-2011-proa-report#more-911http://dornish.net/july-proa-board-member-message#...Here is the West Chester case; page 29 starts the explanations on the basics of why the lawsuit started; page 43 gives the decision. http://www.proassoc.org/pdf/WestChester.pdf

In the event the relief is denied, the Servicer has to provide a fairly detailed explanation on why it is denied.  

JV Still waiting for the explanation of how you run rentals with no maintenance, capex, management or vacancy.  

I'd like an explanation of how that makes sense.