I'm a buy and hold investor within the Tulsa metro area, and I put a lot of emphasis on location.

I believe that would be the same globally.

Because they now know better and in many cases have realized their legal education and experience has not prepared them for dealing with the changes in emphasis from contract law to regulatory law.

Berkeley Global campus and rezoning of the South Shore area.  

All depends on Your Global Debt to Income.

I got a busines degree in college with emphasis in real estate, in 1980.  

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

I don't put much emphasis on the score because hat could mean the person loves to use credit a lot and borrows all the time and has a lot of available credit.

I got a college degree in business that emphasis in real estate.  

A POF from a convential lender means you have passed the lender's credit and income criteria, and if the property appraises high enough, with no title issues, financing will be available.Since hard money lenders place much more emphasis on the property securing the loan, the POF letter ranges from significantly less reliable as compared to a letter from a conventional lender, to outright worthless (some hard money lenders provide a form and you fill in the blanks, i.e. no real approval).