Appraisals aren't guarantees of market value, so unless you can prove some kind of fraud here you're going to be out of luck.

Note, Jacksonville FL is the largest market (area) in the nation and fairly nuanced.

A good investor friendly lender & agent will certainly help + groups like this and local REIA groups with opportunities to meet in person or on social media and network about off market opportunities too!

Man, Hayward is a good market for this.

Depending on Loss History, how long the lapses was, use of buildings, age of building and updates, etc. there may be a Standard Market. 

The strategic location in a thriving market and the opportunity for a fast, profitable flip made it an attractive investment opportunity.

As a result I can suffer severe rent decreases, and still not have to “feed the alligator”.4- I keep a heavy amount of money invested in Vanguard Money Market Fund.  

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Austin market is out of my price range and looking at investing back in my home town (Single family/Multifamily).