@Eric Berman great deal Eric!

Go to a 'prefinished' stone dealer where you can get pre-cut slabs that have finished edges.

There are a couple of reasons why not having this contingency is a non-starter for me:1) This is akin to starting at a NEGATIVE equity position - Sure the appraisal is a subjective value from one human being.

The only person/human.

We "Humans" tend to make thinks very complicated I'm still new do I have a buyers list nope...Do I have a special software that tracks everything nope....Do I have business cards LLC ETC....

Where humans engage with it.

As automation takes over, human underwriters are responsible for less and less.

Unlike the other lenders, Figure.com does automatic appraisal (without a human involved) based on public data and they treat ADU square footage the same as the main house square footage.

Or habitat for humanity.  

Since the tornado recently came through, I’m picturing tons of debris and random walls still standing where a home or commercial building used to be.As investors, we are all good humans trying to help and improve our respective communities.