I lost a great lender...thanks to Dodd-Frank even though my loans don't fall under consumer loans.

If your uses fall within the lower appraisal number, then you need to decide if the $450 is worth it just for you to know what it's worth right now.In other words, let your need for access to the capital be your guide.

Although my brokerage was a victim of the recession, I kept my license current and then passed the broker's exam three years ago.  

Check out the Midwest10% net ROI are falling of trees.I personally don't get out of bed for anything less than 15% net when buying to hold for myselfThanks

 $24,000 annual rental income, rented a year at a time with $12,000 paid before the fall semester and $12,000 upfront for spring.  

We had a couple deals fall apart because our team was not well versed in the multifamily FHA requirements. 

Possibly my math is wrong, or NYC in general is not a market to invest money in unless you're willing to take the chance of monthly cash loss in exchange for the hope that your investment continues to appreciate and the housing market doesn't fall out again...   

So after many calls and Research it turns out the process is different for squatters than it is for some one who is actually defunct on rental payments, and since the squatters don't pay rent they actually fall in a different process to evict.  

This isn't an option either.3)  This IS an option...and maybe the best, if you can't do #4 (next)...4)  If the seller reduces their price, then buy it, but only if that reduced price falls in line with the new appraisal...not some type of compromise.  

Make sure your realtor understands that and don't fall in love with any property.