Purchase a cheap moisture meter and see what the moisture content is on the dis-colored areas and compare to the non dis-colored areas.I have had this problem before when the tenant did not run the AC (trying to save on electric bill) and when buying a house that had beed closed up for a long period of time.Do not use bleach.  

Scope of work involved tearing down existing structure, rebuilding, framing, insulation, electrical, etc.)2) I don't really have a large master bedroom.  

>> Getting to the question:  Why are the appraisals done on my recently renovated houses including comparable of bank owned properties to determine value (many of these properties in bad condition, not yet rehabbed, winterized/unknown condition plumbing/electrical, etc...)

They didn't tweak on my electrical panel, reroute my water system and the moisture didn't make it into the house.

If you buy an old turd of a property that has not been recently overhauled and updated....plumbing, electric, roof etc...not just paint and carpet....then you could easily exceed 50%.  

Fix any plumbing/electric/HVAC issues4.

Over the years we have had some bad tenants who seem to always have problems like mice, bugs, damage, stuck drains, they move out leaving huge piles of debris we have to haul away, and they leave the place so dirty it needs sanitizing and a full paint job.

Then the med bills come up or repairs are needed and I have to re-use the card.David, maybe if I just constantly bug the bank, they'll let me convert it.

Their new electric car is not gonna save them.But i believe there will be some people who will take advantage of this crisis and become rich

It has a new roof, doors(interior & exterior), windows, electrical, drywall, paint & garage door.