Are my numbers criteria too conservative, too liberal? 

Preferrably one that's liberal.

Yes, the Washington Supreme Court recently ruled that they will interpret the "distress home consultant" definition LIBERALLY... 

In future, we will proceed to lower the RRR at a normal pace," he said.Yi said the PBOC planned to keep interest rates at a reasonable level to reduce the corporate debt burden, and noted that interest rate liberalization does not mean that the central bank would reduce regulation of rates.China will also continue to set benchmark lending and deposit rates for some time, he said, but these rates would not restrict market pricing.Data released on Monday showed China's economy in the July-to-September quarter grew 6.9 percent from a year earlier, dipping below 7 percent for the first time since the global financial crisis.Yi noted that China's stock market, which has fallen sharply since June, had completed most of its adjustments and that the yuan, which was buffeted in the wake of a surprise devaluation in early August, had "basically" stabilized."

Other underwriters are a little more, umm liberal.

And you will be able to deduct your expenses and costs very liberally ....

Sometimes you can hit the jackpot by targeting neighborhoods that have the potential for gentrification.

Texas has a more liberal policy (for now).

You have hit the JACKPOT of resources for real estate investors.

For a business owner with $100,000 taxable annual income, the net tax savings for using an S Corporation instead of an LLC in taxes paid every year can be as high as $7,500.Holding PropertiesWhen holding properties as a cash flow investor, the LLC (or LP) is generally the better choice because an LLC has more liberal distribution rules.