I also built my own tool (basically reverse engineered Gallinelli's in order to make sure I understood exactly what it was doing behind the scenes).

I think people are tending to price based on potential rent these days, now that the forced appreciation concept is more widely understood.

Seek 1st to Understand, Then Be Understood...Get the person talking about the property.  

Getting a loan pre-approval is a well understood process.

I have learned a lot and I have it written down and well kept haha. sorry if it is not well understood use the translator is not very good English .. blessings

@Villy Ellinger I like your mention of the grid, I did something similar when I first started because I wanted to make sure I understood and captured the CF accurately.

i never understood why somebody would increase their payments  by hundreds just to be mortgage free 15-20 years later. 

When I first started I was always out bid until I learned my market better and I understood the numbers better.  

@Nat Chan I never understood why contractors would ask for a large deposit to start a project, here in California your limited to what can be asked up front generally up to $1000 or 10%, which ever is less.I never give deposit, most contractors that we deal with have a clear and well define scope of work, attached with a detail schedule of values (Especially for large projects that run a couple of months) and a construction schedule complete with milestones.

I hope you understood the irony of your statement .