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.

I personally think you will have to just adjust.

The best way to spot such trends is to look at $/SF for housing prices over the last 10 or 20 years, adjusted for inflation.

You likely also will need to adjust for any preexisting normal wear and tear for items like carpet and paint. 

Here are the typical discount point adjustments for a cash out refi 70% LTV conforming loan amount 4plex investment:You can also google "FNMA LLPA" and manually add them up from the PDF you will find. 

Section 8 will continue to make its payments, and their residents' rent portions will be adjusted accordingly if they cannot work.  

A good lender will look at the tax returns you provide and make adjustments for your paper losses (depreciation, etc.).

Any suggestions on how to adjust for this to come up with an ARV?