Seems so simple yet since learning that I've been able to do better comp on habitable property. 

If the DOM are large then it may be more of a possibility but I wouldn't make it a habit. 

Others have bad habits and some are trainable.

One of Ramsey's largest creditors was sold to a larger bank, which began to take a harder look at Ramsey's borrowing habits.

From there, you could ask them what price ranges they typically see for Single Family Homes (habitable or non-habitable depending on your preference).

Until it becomes a habit, you will have to force yourself to keep useful records. 

I'm trying to make it a habit to browse random forums everyday, rather than my random news sites so I can learn more.So I have some newbie questions and hope to get some direction.

IMO:You really shouldn't look at the FICO score at all unless you're relatively good at understanding what goes into it.If I can tell a dude to put things on his debit card instead of his credit card (that he pays off in full each month when the bill comes), and bump his score 37 points in 30 days, with no other changes to his financial life (note that I didn't even change his spending habits, just which card he swipes... told him he could have the rewards points, or good credit, but not both), that tells us that the FICO scoring algorithm wasn't accurately capturing his creditworthiness to begin with.If he's got a 732 one month after talking to me, and literally the only thing that changed was which card he swipes, he should have had a 732 a month ago in a fair world.

Originally posted by @Jay Hinrichs: And yes Canadians Pay their mortgages at a rate that is to be commended Jay:That was once a bankable statement, but it looks like {the national} we may be unlearning that habit.

Comps are vital for determining the asking price.