That's the 50% rule, and the 2% rule, and the...actually all the "% rules" that are generic...and you answered your own question in your initial post.

These are generic descriptions but are fairly applicable.

So the POF isn't generic but, banks in my area ( PG County, MD ) haven't been that receptive of my Subject to HML approval clause.

I realize this is a pretty generic question just looking for some feedback.2) How do I find every possible duplex or quad for sale within say 50 mile radius of Eau Claire wi?

"WE BUY HOUSES" is generic...What separates your "we buy houses" signs from all the other 92?

Usually this is followed by something very generic like "If you have any quick tips for me, send them along" or "Geez, things are expensive here; is it possible to flip houses here"  or something else that they could quickly glean from the BP site if they just searched a little more.  

There are generic lease forms available online but I would stay away from them as the local/state ones have wording that addresses specific laws in your area and the local courts are familiar with them should you ever have any legal issues.

I understand that building non spec may have plenty of change orders as buyer changes his /her mind, but i still see it with lower priced generic spec builds...

Can you provide a generic example?

This might sound like very generic advice, but many students don't do either (especially if they are taking the classes online).