As with everything you get what you pay for, and I wouldn't accept anything less than the best methodology. 

Like any business to make money you need to dig your heels in, setup methodologies that help you reach your goals and execute your plan with multiple exit strategies. 

Seem a vulnerability to them in their methodology.  

Some really insightful methodology here.I've tweaked the affordability index for Cache County to show debt-to-income ratio affordability in the chart below. 

Tax implications would be a big factor, as would the predetermined buyout(or methodology for calculating future buyout amount), but the big factor would be their desire to max out profits weighted against their desired quality of life.But those deals are almost always a result of being observant at the right place and time.

I'm not sure the methodology behind the figures and it could be inflated by returns from large real estate groups that bought up high numbers of homes after the crash.  

Thomas, if I knew nothing about credit, I would just follow your model on the 650 fico, the law of averages not only favors your methodology, but the elegance of it puts you in a better spot, should anyone make a claim you were acting discriminatory.

Being consistent with you apply your own methodology in filing your taxes probably needs to stay constant though.

The IRS describes 6 different methodologies: detailed engineering from actual cost records, detailed engineering using cost estimation, survey or letter, residual estimation, sampling or modeling and rule of thumb.

My methodology is very very conservative.