In general, yes the 70% rule can be massaged within reason especially in the Bay Area.  

The loudest and most obnoxious preachers are always the ones caught slicking up the rent boys with massage oil.

It just shows that you can massage data to give you the number you want.

Use the calculators, but massage them a bit so that your MAO hits your sweet spot.... then take that figure and compare it to the ARV and you'll have your new MAO %.

It's easy to "massage" the NOI if you choose to replace an appliance instead of repair it, etc. 

Numerous people walking about, talking, some with drinks in their hands, noisy laughter from the living room and kitchen, and then 4 large women dressed in black came and sat at the side of my bed, 3 on the left side, massaging my left leg, hip to toes, and one on the right leg, massaging thigh to just above ankle.

Good luck trying to start one from scratch, you'd probably have an easier time trying to get an adult bookstore / massage parlor past a zoning board.

It is filled with fresh Swedish cooking that is healthy, looks and tastes great, and is priced low enough that you think the Swedish government has subsidized it!  

Don't use it to massage your numbers to make a deal look better than it is.Originally posted by Account Closed: Your accountant is trying to protect you, but the reality is 99% of loans from banks (and 100% that I've gotten) are recourse, meaning you sign a personal guaranty.On the contrary...his accountant is trying to protect HIMSELF

Feel free to shoot me the massage or comment.