The mathematical formula is 5:1.

Human psychology is smaller, more often increases are more acceptable than one big increase even though the opposite is true mathematically. 

I had previously listed it with another realtor and did not have any of the mathematical details in the listing.

Is what you say "mathematically" possible?

This pandemic was predicted and modeled mathematically for decades to occur either naturally from deforestation and human contact with rare animal species and insect species, or in the situation of COVID 19 from direct human manipulation, of viral genetics.

The problem is with the high building regulations and high cost of construction, it is mathematically impossible to build "affordable" housing.

And on and on and on.Assuming that you have absolutely identical tax years in 2024 and 2025 (which is never really the case), you usually win mathematically by spreading your sales (or any income, for that matter) over multiple years versus receiving all income in a single year. 

There isn't enough land to build and it is mathematically impossible to build affordable housing. 

And lenders are at end of day just statistics machines, that is the job of an underwriter, to quantify an applicant into a mathematical risk score. 

I will not go into the mathematics, but anyone that is a MBA graduate should know from his course work that the market place equalizes demand and supply against pricing.