See the overhead comparison below.✅ Low crime rate: Companies do not set up new locations in cities with high crime rates.

Property:- Appraisal- Environmental- Perform a site visit (if needed)- Rent roll - Operating statements/NOI (look out for any one off capital improvements that could hurt cash flow)- Cap rate (obtain by comparisons to recent transactions for property type in same market)Borrower:- 3 years financials- Credit check- Personal statement on experience (if it seems they are new to commercial)- Obtain personal or corp. guarantee if needed (get personal net worth statement)At the end of all this, determine if we can lend the amount they are asking for if it falls within our maximum LTV and minimum DCR.

Basically the comparison is for eliminating MI and getting cash out. 

For an estimate of this size, you absolutely need a second opinion on the necessity of the repairs and you also need comparison pricing. 

Your marriage success comparison to RE success comparison is false on many fronts (unless you literally treat marriage as a business transaction and nothing else, but even then the downside is scary).

900 sq ft I would think you can go 3 or 4 ton, dont see why it would be $6k that seems high.I had TWO units installed 2 years ago (5 ton 1st floor 2k sq ft and 2 ton for 2nd floor) and it was $6k total for both including install.for good comparison on the unit prices themselves http://acunitsdirect.com/ remember as with anything an installer will mark up those prices thats why you get higher quotes

I did a quick comparison for 2 bed room units, and found similar styles nearby going for $800-$850. 

A really interesting comparison. 

Thanks @Walter Aaron Poling and @Lynn Currie, I actually am an agent, but I'm new and haven't done a spec build comparison yet.

Did you comparison shop on price?