However, just keep in mind that lending practices change over time and it's anyone's guess what that'll look like a decade from now.Hopefully this is what you were looking for and helpful!

My practice is to tell the sellers what I can get them for their house and offer them the alternative of a fast sale under retail pricing.

Give your estimate to potential buyers but be clear that it's their responsibility to practice their own due diligence.

@Presh DineshkumarMost of the Plus and Pro membership "perks" are very U.S.A. focussed - even the on-line calculators - and have less practical value to Canadians ... even those unfortunate enough to be stuck in the GTA ;-)Some Plus/Pro features .. such as the search members by zip or postal code now work (sort of) for Canadians (polite nagging can pay off ).If you are a flipper, or offer a real estate related service (architect, trade, etc), then the ability to post advertisements to the Real Estate Marketplace is a benefit.I upgraded to a Pro membership early on to support the site and its growth as I found it to be a credible venue for exchanging knowledge and making contacts with respect to real estate. 

If I don't like it or don't make any money by Oct 2017, then I can cancel.Currently, I am looking to buy my first home to live in, not flip or rent.I am looking to learn everything and hope to put it into practice.

This will be a good chance to practice my pitch if nothing else.

Here is a summary of the Section: - Developing a set of house rules is a good practice - The decision about whether to develop house rules for a property rests with the owner- House rules need to be listed in the lease (addenda or otherwise)- House rules must not be discriminatory ("create a disparate impact") per federally protected classesAs pointed out, some tenants may find the concept and term curfew derogatory.

I have been practicing my analysis of potential properties but I'm not confident in the accuracy of my numbers because I can't find any hard data on these items.

Trying buy at auction expecting to get financing is not a practical idea. you need to know that you have reliable funds lined up in time to settle.

I'm certainly not diagnosing since I'm not a doctor, but thought this could help someone else.https://www.psychologytoday.com/blog/in-practice/2...Best of luck!