I can't necessarily say that there is one set magical point for any given person.In regards to your second question, I would go to the opposite perspective and caution you to not misapply analysis either.

There's always a magical story about how a property just needs the "right owner".  

Or at best, "dual agency" or "transaction brokerage" (your state laws may vary) - so if a broker that gets 10 - 12 listings from a bank - all of a sudden (if you have that listing broker OR SOMEONE THAT WORKS FOR THEM, write the contract) - they are then magically supposed to become "neutral" - I don't see in the real world how that happens!

There are no "magic bullets", despite all the hype usually surrounding the emails we all receive.

I hope it works the same magic in your life as well.

A single family home, owner occupant is almost always a liability in a primary market, as it takes more dollars out of your pocket than is it can put back, ...no matter what tax and accounting magic can be pulled.

The lender also has to be willing to have the down payment magically appear right before closing.

Its not easy to find a solid guy / Gal but when you do its magic.  

All but 2 checks showed up in my bank account like magic.

He says that his son acquired his useful hearing aid (after another didn't work...and he claims the doctor says he hasn't the physical equipment to hear anything at all in the first place) by some magical manifestation of his son's DESIRE to do so, and not any mention at all that maybe others were familiar with his problem and a network of connections makes solutions much more available.He either makes up other stories or passes them along uncritically. 1937 was a different time so I'm not going to hit him with the racist card, but the "Chinaman" story?