I've tried to make my own spreadsheet which makes more sense to me based on my current understanding of deals. 

You can't possibly posit what makes sense to do or not do in one area of the country based solely on data from your market.

If Nubbs Nobb is closed I would speculate that Boyne Highlands, which is literally across the street, would still offer a lot of business in that area.

We build long-lasting relationships and make it possible for people to work together again by focusing on results that are good for everyone.Early on, I learned how important it was to look over deal sheets carefully and never accept the first offer.

I offered 2,000.00 over asking and the deal was quickly accepted.

Basically, you have to know that they're advertising the property based on a best case scenario. 

The winning bidder offered a lot of non-refundable earnest money.

I may make an offer on a property that's been sitting for over 80 days.

I personal would only explore re-financing with other lenders (having conversations- getting to know what they offer).

I definitely have a ton of experience here being based in Tampa.