You take recently sold comps of similar properties in the same area and adjust for any differences in size, amenities and condition.

Appreciate your comments without you having to take us down that rabbit hole.So depreciation reduces your adjusted basis. 

...You really don't want to purchase your first home when the money is, inflation adjusted, about as free as it could possibly get?

Question, if I do have a bump in the interest rate, am I to assume that bump would apply across the entire term of the loan and not be adjusted just for the final month (based on the above example)?

Maybe your price needs an adjustment .

As bookkeeping goes, that's how I would record it and present it to the auditors and they give me any adjusting journal entries to deal with.I can be reached if you have further questions or concerns.

Our foundation guy has good prices, is reliable, and even fixed some of the concrete changes that come with adjusting the foundation of a house for free.

Also, if you ask your lender, they can sometimes adjust terms based on what you want to see.

I very much adjusted my strategy over time.

The loan offer that seems to be the best of these offers is a 20 yr ARM adjusting every 5 years with a 2.5 add to "the index", the index in this case being, "the daily average yield on the 5 year fixed rate advance from Federal Home Loan bank of NY".My problem/question is, I can't find a listing for any data on this rate.