If something is listed 5% off list is where you start getting into offensive territory, unless they're clearly overpriced, but even then usually the seller lists where they do for a reason, the exception to this is the institutional sellers, if something is long DOM you can get some smokin deals.

Personally, if I can do a deal that meets my financial requirements - I want the other participants to make as much as possible.What if you got two of these exact same deals from two different wholesalers.

I’ve been a private banker at a financial institution and I have worked with a mortgage banker for a few years now. 

Is there an industry standard calculation, or does it differ from institution to institution?

I hope that soon I'll have better hours and be able to participate.

Maybe find an investment vehicle that you will have more interest in being a participant in.

Would like to use it for down payments on purchase of 2-3 properties, just need that lending institution.

Can someone recommend any good regional banks/institutions they are working with.For reference I am in WA, and looking at properties in state as well as out.Thanks

This usually comes in the form of some sort of financial participation from you.

Price-to-affordability is a different issue, but regardless the supply is tight.The Toronto rental market is hot with all the institutional capital going into building apartment buildings.