Yes, if you pay, you get a copy.It's a CU, not a bank, sounds like a portfolio loan and not a secondary market product, so yes, the can evaluate the collateral as they please, but they are going above and beyond prudent lending to much tougher requirements, not great marketing for loan services but they can.Market value is what we generally work with in real estate, but we do have other valuations, liquidation, salvage value, tax and estate valuations.

I'm a newbie myself and currently learning as much as I can from this awesome community.

Hello BP community,My name is Ornella, newbie here, brand new to investing.

I am sure it will turn out to be a great thing for you and the surrounding community when you have it stabilized. 

I am glad to be working for myself vs the big therapy companies who say they are all about patient care, yet require 90-97.5% productivity from us and expect us to provide quality patient care off the clock to achieve productivity standards. 

And you should jump in, the community is pretty great here.

My backgrounds are in economics, accounting (CPA candidate), product design, & engineering — I know, quite a lot but I’m a lifelong learner.

My name is Jazmin Florence and I am a new member to the BiggerPockets community.

Hello BiggerPockets  Community,I'm a contractor/consultant in Northern Virginia providing Home Automation (The Internet of Things - "Smart" devices), Security & AudioVideo design & installation services for both commercial and residential properties.

Welcome to the community @Sherrod Mcgowan and all the best on the first deal