plan, will take place — namely, the debtor’s use of the collateral to generate an income stream. In ordinary circumstances the present value of the income stream would be equal to the collate valuing car to be retained by chapter 13 debtor at retail, rather than wholesale, value); In re Savannah Gardens-Oaktree, 146 B.R. 306, 310 (Bankr.S.D.Ga.1992) (using fair market value to value apartment complex in chapter 11 adequate protection context); In re Usry, 106 B.R. 759, 762 (Bankr.M.D.Ga.1989) (concluding that in light of fact that chapter 11 and chapter 12 debtors planned to retain collateral to produce income, secured claim equaled amount of stipulated fair market value without deduction for hypothetical liquidation costs). 2 See, e.g., In re McClurkin, 31 F.3d 401, 405 (6th Cir.1994) (<HOLDING>); Matter of Rash, 31 F.3d 325, 329-31 (5th
holding that second sentence of  506a precludes deduction of hypothetical costs of sale in valuing chapter 13 debt ors real property to be retained by debtor holding that chapter 13 debtors were unable to avoid a creditors unperfected secured claim because they lacked standing holding that second sentence of  506a precludes deduction of hypothetical costs of sale in valuing chapter 13 debtors real property to be retained by debt or holding that the secured creditor was only entitled to the amount of its claim as provided in the debtors chapter 13 plan when the destruction of the vehicle yielded insurance proceeds greater than the secured creditors claim holding that  506a does not require or permit a reduction in the creditors secured claim to account for purely hypothetical costs of sale of chapter 13 debtors residence