Utilization carries a weight of 30% in the FICo scoring models, 23% in the Vantage models.A short credit history will also result in lower scores than long-established credit.For other applicant, yes - the late payments and collection will bring the score down.

If I don't have a buyers agent is it common for a price reduction by including my buyers commission

If the house sits long enough they will make a price reduction.

Since you only owe $71K on the house, consider a price reduction that will get the house sold quickly in "as-is" condition and move on with your life.  

I want to know what sort of things are factors in your decisions and what each weight you would factor in for each; with 1 being the lowest weight 10 being the highest.

As it is a longer term investment I am ok with prices leveling off or some correction.Looking at listed homes I am seeing some price reductions on higher value properties.

I think this may be an opportunity to renegotiate with the seller at an extreme reduction in price if we offer to buy outright using cash.

The name itself also carries more weight - bigger name means more recognition when networking.

If it appraised this year at $106K and the owner will take $80K (presuming that your is well received) is there some reason why they would have to take a 25% reduction in asking price? 

http://www.vanewsblog.com/2015/04/va-issues-guidance-for-principal-reduction-on-va-home-loans/