The case studies at the end were great and exactly what I was looking for.Which brought me to question how important the interest rate is on a note, because it seems the main emphasis is only on yield.

(Emphasis is mine)

My current ARV of 130k in the analysis below is almost certainly too high if we can't split it unless I find a lender that places more emphasis on rental income in addition to comps than the current lenders I've spoken with.Overall thoughts on the analysis below?

I have a college business degree with emphasis in real estate.  

- A Short Sale request is to be approved or denied within 10 daysThis is positive news for short sale investors as it shifts emphasis toward short sales, allows a defined marketing time without risk of foreclosure to the borrower, prevents reductions in realtor commissions, drastically shortens time frames, fully discharges borrowers, and apparently allows for submission prior to being in default.Links for related articles from: Reuters: http://tinyurl.com/yk64mbs Yahoo News: http://tinyurl.com/ydm43yg API: http://tinyurl.com/yj35shj

It also gives emphasis to the idea of CLEAN.Plastic Cleaning Bucket: Awesome degreaser, Woolite carpet spot cleaner, white vinegar, baking soda, tub/shower cleaner, Magic Eraser.Reusable Shopping Tote: cutting board, kitchen garbage bags, picture hooks, dishwasher detergent or dish washing liquid, shower curtain liner, plunger, door mat.The liquid hand soap, toilet paper, paper towels and Clorox wipes that I brought during the turnover are left for the tenant to use.We present the rental agreement in a folio that the tenant keeps.

So we as landlords are stuck with a variety of different places whose characteristics vary, trying to come up with a number based on generalization, comparison, reduction, and intuition. with a lot of emphasis on the intuition.

I was thinking something low key with an emphasis on making connections, networking, and the occasional talk from a Real Estate Professional from the local area.

Is there more emphasis on appreciation over cash-flow, are they putting a lot of money down, are there simply very few buy and hold investors etc.?

Ben is right, a conventional lender has there way of obtaining a value (Comparable sales, w/ small emphasis on Income), but you should have your own method of obtaining YOUR value.