Underwriting Says Easy Win; Appraisal Says Hold My Clipboard

Broker: It's a layup Lender: Send T-12, rent roll v9, and proof gravity still works Me (2:13am, 47-tab model): if I delete reality, IRR = infinity 😵‍💫 Appraiser: Value TBD after verifying leases, roof, and whether this town has Wi-Fi