Let me qualify my post above. What I didn't agree on is the availability of all of those methodologies. lds's bank and mine are similarly situated and I pretty well know what she's up against on documentation availability.
We take whatever we can find to go by.
lds...I did mean to ask, however...the particular property that RCV was listed on WAS owner-occupied 1-4 wasn't it? If not, I could see why it would have been less (ACV instead).
I didn't question it, because it was obvious you were taking RCV/ACV, which ever applies, into consideration.