Architect letter for loan from bank

Not connected to litigation and more on principals and values, connected to Public money of Banks.

It is always left to you and what ever is your estimate, Bankers have their own estimate and always  double check it as they are aware of such tactics of borrowers.

However there are instances and bankers themselves collude and  suggest such unhealthy trends.

You are, admittedly, a professional and is expected to act professionally. There are no legal elements involved, but only your value system.

As a qualified Architect, you are legally bound to give certificate reflecting truth and nothing but truth.