G'day fellow Investors and experts, I am seeking your opinion on how if possible the investor could influence the valuation. Just a case for discussion: The property bought 6month ago, undergone through cosmetic renovation, tenanted at rent above market average, with obtained subdivision approval. Is it a normal practice to prepare a business case and submit it to the bank to be considered in valuation. If going through the mortgage broker, does it complicate the process of finance negotiating with the bank as if done directly? Can an investor appeal on the valuation if he believes some facts were not considered? Or the only process available for investor is just to accept the valuation as is and if not happy obtain another from other bank and switch the lenders? What is your experience?