Are you moving to the 80% rule?

[Cha Yang]

Just want to get a feel for what other investors in the metro are see in the market. Most of the deals I analyze, I use the 70% rule as a starting point. Are you still using 70% or are you moving up to 75-80% to be able to access a larger pool of properties. This is based on Single Families in st.paul/minneapolis area.