Hi Svetlana,There are rules governing the methods used to determine what is called in Appraiser land FMV - Fair Market Value.Appraisers have to follow the procedures in their manual USPAP (Uniform Standards of Professional Appraisal Practices) normally this leads to FMV being determined on appraisals of property sold in the past 6 months.

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@Brittany R.

Originally posted by @Kirk R.

My second choice neighborhood is Elmhurst, and would be perfectly content in this neighborhood, though I've heard recently zoning laws have changed for the R-2 zone to restrict 3+ unrelated people from living in one unit.Any insight on financing in RI, different neighborhoods, just a hello from fellow Rhode Islanders, and any advice with the market the way it is as it relates to buy and hold house hacking in a B+ to A market.

Originally posted by @Konrad R.

The one in Colorado will be a rental and I will apply the BRRRR method. 

So I'm trying to apply the BRRRR method and I came across a speed bump of my DTI. 

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@Jonathan R McLaughlin I have a fairly bullish outlook that this will be short lived, and as has been proven over and over, most consumer's memories are short.I do think a lot of Airbnb hosts will sell/convert to long term, especially when Airbnb forced all hosts to issue full refunds, regardless of refund policy outlined by host.