Tom:Although you would expect not to include REO and HUD in the comps, it is unavoidable based on the sheer growing numbers and their share in the general RE market.

I am not necessarily looking for anyone to loan me money at this point in time, but I want to ensure that I can build a relationship so that I feel confident when I have a deal in my hand, that I can act quickly, close, rehab, and move on to the next.Also, seeing as how I am attempting to invest in Norcal, more specifically the Bay Area, the prices are much higher, is this going to present an unavoidable obstacle with a lender when attempting to obtain almost 100% financing?

My toll bill to use the highways (which is unavoidable) is $200, gas is another $150, water bill to keep the foundation healthy is $250-300.

The full facts of the situation can only be obtained by thorough review , I have nothing against the first agent , or second agent , I am just saying that the OP is feeling something unethical/illegal has happened , he should report and let the authorities make a determination .Bias is unavoidable , but atleast it should be controlled 

Put yourself in the buyer's shoe, and use common senses.Some error in ARV estimate is common and unavoidable.

Mistakes/setbacks are unavoidable even with a well thought out plan.

Finally, I don't like incurring a bunch of debt unless it is for a specific deal - although some debt for general business activities is unavoidable.

It's unavoidable. 

They will add nothing to your NOI.No % of POHs is good but in some states it seems unavoidable to have them. 

However I realize  HOAs may be unavoidable.