The educated and motivated will always succeed regardless of the quantity of 'investors' or the market dynamics.  

2. does the cliche "quality over quantity" apply in dm marketing?

I am amazed by the quantity and quality of feedback I've received on this question.

I'm putting together a Rehab Estimate Spreadsheet with most common rehab items, quantity entry column, unit price, total per item, etc.

Hi Harmony.

Quality over quantity all day.

You can offset a pantry if you have 36" tall upper cabinets, pending quantity. 

@Samantha Waters I would be worried about the quantity of occupants.

Ask Contractor to specify the materials, quantities and brands if you are doing the buying to avoid this vulnerability. 

Here is where the model stands currently:Overall Criterion Weighting-Documents Risk Assessment - 30%-Relationship, Ease Of Funding Draws - 15%-Line Quantity - 15%-LTC/Project - 15%-Compensating Balance Requirements - 10%-Term Of Loan/Extension Handling - 10%-Rates - 5%The "documents risk assessment is further broken down into these parts to make up the 30% weighting:Bank Document Risk Assessment-Nervous Lender Clause - 22.5%-Cross-collateralization, cross-default, and/or dragnet clauses - 22.5%-Guarantees - 22.5%-Grace/cure period - 10%-Deposit relationships for security - 10%-Carve-outs for bad boy provisions - 7.5%-Relationship lending - 2.5%-Fire and casualty insurance - 2.5%The bank's risk assessment has yet to be included in the overall scoring, but J Martin gave us these resources to see whether or not the banks are solid:FFIEC Data - https://cdr.ffiec.gov/public/ManageFacsimiles.aspxFeedback here is valuable since scoring the banks is not my area of expertise.