Those all very based on how much they take, some can be 95% to her and 5% to them. 

(Also, I'm curious to see how your system would work against a company with hundreds of transactions every month)For someone who has a less broad knowledge base, or more limited knowledge of Excel, your system is going to be hard to implement and challenging to maintain. 

If I could would I receive a lump sum or annuity from you based on MPV? 

Unless you are going to file some kind of discrimination suit against the bank based on what you feel is arbitrary denial, banks do not have to grant everyone a loan just because they qualify - they just can't deny you a loan based on one of the protected classes (religion, race, etc).

Some points about me and this property:- it consists of four 1-bedroom apartments - rented to young professionals- this is B property in a B neighborhood - current rents are $2300 ($550x3 and one $650 - the $650 is the newest tenant and the apartments are identical - so it sounds like the rents can be increased in the other 3 upon lease expiration)- it's listed at $139,900 and has been on the market for about 3 months- my calculation on this property is based on full asking price and current rents- The COC ROI is misleading based on the way I did the inputs -- the only cash out of pocket will be closing costs which I've been quoted to be about $7000  out of pocket. 

My job is extremely secure, so this risk is minimal for me.I will say that my views are based on using that money for a flip or a BRRR method, where the loan is short-term and paid back quickly.

A major portion is based on the credit they are using vs their available credit.

Hi, I'm an aspiring real estate investor from Massachusetts but currently based in London.

You could play it up and further demonstrate your level of seriousness by saying something like: "This offer is based on our assumption that the property contains a mix of 1 and 2 bedroom units totaling 16 rentable units, along with our initial research of publicly available information."

I'm looking to acquire real estate through a hard money lender who will lend based on a percentage of the appraised value.