lender, mortgage loan originator, loan officer, loan consultant). As a prospective buyer, you’re almost flying blind, even if you’re working with an experienced professional real estate agent. In a healthy market, most properties should appraise at or even slightly above the contract price. However, in cases of significantly overpriced properties or a falling market, appraisals may come in below the contract price. If you’re buying an investment property that you don’t plan to occupy, expect to put down at least 25%.