Through trial and error you will eventually find the right combination that works for you and over time will establish a long term trusting relationship.

Even a small variation upwards of the Interest Rate, or lessening of the loan period, will wipe out ANY positive cash flow.

My last one, approved this past January, took almost two years to get through to prove-up trial. 

Through trial and error, I keep coming to same conclusion that the availability of capital, speed and predictability of terms are more important than rate and points.As far as deal flow for flips, that has been the problem.

IF your question involves some variation of conflict with the owner it would be worth the money to have a consult with a Real Estate attorney.

It includes trial clients (who start up free in their first month to test their markets), existing, long-term clients, as well as any existing landing page data from before we began working with clients (assuming they had conversion codes in place), for all keywords, over all time.It's worth noting, to answer @Sean Dolan's valid point about brand terms above, that this is from adwords traffic, including all match types, with almost no brand-specific search queries (which are incredibly low volume).

Trials produce perseverance.

While most of what you said is true for a significant portion of the nation's markets,  it is not applicable everywhere.Funny enough, the ".67% rule" is actually the San Diego variation of the "1% rule" that I've reverse engineered to  better reflect the unique variables in our market. 

I exercise first thing in the morning, eat the same thing for breakfast and lunch each day, have a modest/simple wardrobe, cycled through multiple 3rd party managers to find one that I could live with, consolidated to only two properties (this is important...focus on profit per property, not per door), buy value adds (once again, more profit per property...plus I can screw it up and still do okay...lots of cushion), and work through trial, error, and then success in your routine.REI (and life) is not linear. 

I’m very lucky to have all three of these in multiple markets but it took a while, and some trial and error, to develop those relationships (well worth it, by the way).