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I’m less convinced that 11 days demonstrates strong demand. Withdrawn stock and relisted units can make marketing periods look shorter, while early price cuts may be lost if only the latest listing is counted. Before drawing conclusions about reserves, compare new-listing volume with completed...

I lean toward the full valuation condition. A precise cap can look disciplined while still being arbitrary if no one has tested the lender’s likely view of the comparables. Ask the lender what information can be assessed before the deadline, even if a formal valuation cannot yet be completed.