That may be a good route to take.As many have said, the appraiser is an independent third party and should give you an unbiased value based on data and not pressure from the brokers. 

However I'm being told I won't qualify for an FHA loan since I've worked mainly as an independent contractor for years, with occasional W2 employment but never beyond 3 months.

My current goal is $10,000 per month in net passive income primarily from multifamily rentals, at which time I'll have financial independence.

I believe it should be the latter, as any special assessment payment plan should be independent of the of the actual improvement.I would like to hear your thoughts.Thank you.

in Great Neck/Long Island area.I own 3 rentals currently and am doing the same thing as you, building up the passive income streams so I can finally reach financial independence!

But more than that I want to be able to be financially independent and scale up my real estate business to have enough capital to maybe start some businesses I'm passionate about, who knows where the world will take me right?

Independent of that citation,  I'd tell the subject tenant to take the written list of complaints to the police to be on record. 

Phillip Kim What few think through is that “peak market” isn’t something that is a randomly independent variable.

I already have an idea of what direction I should go and I am not sure if I will get help here at all but I just wanted to see if there is any advice that I havent even considered.First, congrats on taking the first few steps, and congrats on being (seemingly) independent wealthy.

Whether I should be calculating reserves for maintenance independently of capex, If maintenance can be saved in an account up to a certain dollar level and kept at that amount ongoing for the life of the asset, and if I should front load capital for items like a roof if it's brand new or if I should put those dollars to work acquiring more properties and start saving for those items down the road a little ways (honestly don't know if this is a bad idea or not).