Subtracting out a generic 50% in dangerous, because that number could actually be higher and then you'd be misled to believing you have a better deal than you really do.

I've searched online but can't find any contact info for US Bank aside from the generic customer service number. 

I have been running numbers generally forecasting 750 for a master, and 650 for all other bedrooms in the home for a generic good condition home in the Smyrna, Marietta and Roswell areas.

If that doesn't work put in an offer in a home after you have done a generic scope of work based on your knowledge.

Don't make your mailer seem too generic.

@Marian Smith yes, my roofer used a rigid foam product that was pre-fabbed to produce the desired slope; you can search generically for "tapered roofing insulation" and should find suppliers in your area.  

or it should be only generic mailer that "we buy  your house/ apartment for cash please contact etc" ?  

Plugging in a pretty generic cash out 4plex investment scenario, I'd say about 2/3 are not.

I would strong recommend against using a generic lease in Massachusetts. 

Rules of thumb are a very lazy way to do business.You can build a generic pro forma and plug every applicable number in, take five minutes, and come up with a reliable look at your future CoC, CoC including principal repayment, IRR, etc.Build your pro forma to reflect the base case and then the pro forma case.