In my opinion, it's important not to let irrelevant variables such as back-up offers or the fear of a seller not accepting a counter influence your valuation process.

In the price band I invest in, this would be a portfolio of 25-100 notes, so well diversified, and an investment that you have a complete picture of and a huge amount of control/influence on your outcomes.

I understand he may influence your decision, but don't let that upset the apple cart.  

But let me be clear, there are lots of things that influence it. 20% can be good or bad depending on a number of factors, just trying to answer your question "generally".

In any event, it's a rule of thumb to allow you to decide quickly if a property is worth investigating as a potential investment.Vacancy rates do not influence the rent ratio, nor do repairs or capital expenses.There is another rule of thumb called the 50% rule, also used for quick and dirty analysis, that states that you should assume that half of your rent should go to expenses.Even if a house does not seem to have issues requiring repairs and is in an area where there are no vacancies, assuming that both of these will occur during your analysis will ensure you cashflow rather than having to reach into your pocket to cover repairs or a mortgage payment.Good luck!

Books like How to Win Friends And Influence People, Rich Dad Poor Dad, The Miracle Morning, etc.

Otherwise, I would say focus on direct mail and networking with people of influence.

It may just be that the FHA has specific influence over banks and credit agencies to stonewall borrower attempts to dispute claims.

Perhaps cost of funds (interest paid on loan or to an investor, which could be you) influences that.

We're an area that has great positioning for outside influence and fresh ideas.