I can make the property cashflow nicely and to me the value is there at the current market price.

The majority of properties unless really distressed sell at or close to market value.

15% down from a local bank How did you add value to the deal?

I got 15% down from a credit union and then I bought all the furniture How did you add value to the deal?

Not remaining anoynmous or worried about the laundry list of things most novice investors focus their time and energy on that adds zero value.

The value of the US stock market is ~$50.8 Trillion.

How far below market value are you and are they good tenants? 

only if it doesn't work ha    Lots of great feedback and advice here all comes down to your values and after that your goals work on those first to slow your process down and really get clarity on what you are actually trying to accomplish.   

Personal Property Replacement Cost Coverage is not included, and valuation of contents would be based on the Actual Cash Value/ Depreciation.

He will not stretch values bc I talk to him about his family or we play golf or whatever.