Is there a percentage lower you would go with?

I think prices will pretty much remain the same, as a percentage of people's income (ie, back/front ratios).

Don't be afraid to give them a large percentage of the deal.

Your investor is confusing the interest rate of the loan with the Annual Percentage Rate (APR).Ever notice when you get those loan disclosures that there is an interest rate they charge, then there is the APR, which is different.

what is the ARV (After rehab value) you expect for the property, or better yet, what is the percentage gain you expect?

Yes a public adjuster does in fact have a fee, however, claims usually get paid out quicker and on a higher percentage than what your own insurance company will offer you as the insured.

Given the way the deals are structured the percentage gain will be pretty impressive but that can be manipulated (multiple a small number and the percentage sounds great but the total dollars produced is less interesting).Bottom line?

I can subtract ARV from List Price and have equity capture, or I can divide list price by ARV and have a list price to ARV percentage.

I don't have much calculator experience with percentages yet.

But my investing is driven by LTV percentage (so I can get the loans) and net cash flow (so that I can make money).