Offer Strategies?

[Tiger Sun]

Just wondering what all of your offering strategies are for REOs?

The basic one I am just trucking along on in South Florida is as follows:

65% of ARV (Investors tell me hard money here lends at 65%)
Deduct $10K Commission
Deduct Repairs
Assignability Clause

I've sent about 6 offers in already. 3 Rejected. 3 Pending.
They say there's suppose to be some sort of ratio, like 1 Accepted for every 10 sent out. How bout you guys?