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</h3>Providing the holding costs just puts me in the "Full Service Wholesaler" category.

County officials either do an appraisal in the office or by driving properties and can be based on numerous things such as an increase in average sales price of houses in the county/area. 

But sometimes damages fall into a category where the item can not be effectively and reasonably brought back to the original condition.  

I may not have survived the numerous swings we've encountered over that time period and I definitely wouldn't have been able to profit from them.

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Your credit score is also another determinate banks use to put you in a category.

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Ask them what they see expenses running per category per unit.