So far, I am basically comparing my personalized rate of return from retirement plan statements (which factors in timing of cash flows in/out - for me, right now, only into the account) versus my rental property’s total return.  

Over the years more people start coming to you because of reputation versus seeking people out and asking for business.

I honestly wish I had their training and 1,500 or so hours in the field required, but I would still be just left with my opinion versus theirs, so it is a rather moot point.The entire reason for my post was not to bash appraisers, or even discuss them.

You're talking about getting financing for a residential property versus obtaining financing for maybe a residential property that will function as a business.

However, if you think the property could appreciate still or the loss of appreciation versus what you have already earned wouldnt be significant then it can be a good idea to keep your property. 

The only real difference is no W-2 paycheck to get approved for 1-4 unit property lending. 5+ unit underwriting focuses more of the property income versus the signer's income.

A good lender will walk you through various plans -- what your monthly payment looks like if you put X amount down versus Y amount down.Develop a search and go see homes!

It will likely take you 8 to 10 months to get the house built and sold and the money in the bank if the price holds up versus selling the lot taking the profit and the basis and reinvesting again in something else.

Sometimes it's ambiguous, but even then, why should I bother with the company that has numerous unresolved lawsuits, versus another company that is virtually the same but has none.

Why BECU versus other local banks?