Providing specific information is unecessary to pass along principles and concepts.Personally, I learned to establish some healthy boundaries in this area and I don't share the really good ideas with just anybody, in part because I had to expend time, money and energy to learn, and because I've learned the hard way that people don't appreciate information unless they are in the right environment and have invested something into it.

I felt ever since I was a child that I want to work in that kind of environment but wanted to have an entrepreneurial career instead.

They both exist in the same environment, both can be successful in their own way, but one charges market rates.

and i think it's going to be more attractive for more sellers based on the current market environment. 

I have the privilege of lending in almost all 50 states with a lot of investors so we get to see a birds eye view of how people are making deals work in this environment!  

I think it was this, just going a little above and beyond, especially in a C/D environment that I worked in went a very, very long way with building a strong relationship with my tenants. 

Nevertheless, from the sound of it, your loan officer or his/her team have dropped the ball in communicating with you properly and setting expectations for how to go from A-Z; especially in this environment where almost every lender or broker are experiencing a bit of a clogged pipeline due to the low interest rate environment.  

MarcosSo in otherwords your asking what price to come in as since the condition of the home/environment does not allow such normal appraisal?

What happens to the lending environment when states change to HOA liens being superior?

If they want to do that you must think of what you can politely tell them as to why it is healthier to remain just landlord and tenant.