I know the basics after reading and listening to countless podcasts but there are still a few questions to be answered.

It has been discussed on BP in countless posts.

Happy to lend to you in inflated appraisals but when you need our help we pull all the prawns off the barbie.I've watched naivety destroy countless "investors" at the hands of developers in OZ.

another persons perspective on the same neighborhood is that it's bad.There are countless contradictions throughout BP and anywhere else one searches online.

But I guarantee that there are countless borrowers who are shocked at the higher rates they're getting, and don't think to ask about the scores their lenders are actually looking at. 

Of course, due diligence and in-depth research will still have to be done - the general rules of thumb are only meant to save time in sorting through the countless numbers of deals you look at.

Okay I have spent countless hours reading and watching videos.  

Add that to the few dozen podcast and countless hours spent staring at the screen.

@Michael Sykora - I have run this analysis countless times for myself and for other investors in your shoes.

There have been countless times I have spoken to building owners about their property and once I investigate and do my due diligence on their records I find the value of the property to be completely different.