There are a multitude of ways this isn't adding up, as you are observing.

Wish I could help in regards to New Zealand investing, but I'd be curious as to what some of the major differences are in your observations?

Through BiggerPockets, I identified the realtor I wanted just by observing his knowledge of the market, his own investing experience, and his responses in the forums. 

My realtor told me that the appraiser did a more thorough job observing the home than most.

I have spent the first week lurking within the forums and observing the interactions between individuals before making a formal introduction.

Chicago Loop Attached Property (Condo and Townhouse) Sales 1/1/2017~4/30/2017Chicago Loop Attached Property (Condo and Townhouse) Sales 1/1/2018~4/30/2018Chicago Loop Attached Property (Condo and Townhouse) Sales 1/1/2019~4/30/2019Chicago Loop Attached Property (Condo and Townhouse) Sales 1/1/2020~4/30/2020A few observations:1.

I also observed that in US most of the states allow us to search an address in the county website to find out the details on the property but looks like that's not the case here in Canada

You have to be careful if the person is a member of a protected class because they could claim you denied them based on that and not the neck tattoos.The best policy is to set your standards based on objective, observable criteria and then stick to it.

From a quick observation, Coc is 4.27% at the top of the report, somewhat lame.

The MFIN guys do not.He does, but he basically never pitches it from my observation.