I predict that by the end of Obama's first term.

The only draw back to the cards is not being able to predict the future.

I can't predict the future for sure but I can get a sense of what I think is reasonable. 

The buyers have to know what their predicted loan balance is before they buy.

The predictions for my area for example are less then half of the two previous years.If you know you won't be holding the property long term, better sell this year.

If you are looking in a cookie cutter addition where every house is basically the same and all of the houses are within a few years of each other finding the market value is simple you just look at what identical properties have sold for over the past 12-24 months.Moving out of the predictable additions makes the process a little more difficult however if you are looking in areas where a majority of the the homes are being bought by owner occupants the process is still relatively simple.  

I'm going to predict that the neighbors will not back off.

I have not had any luck with that and also me looking at several properties and being actually client that you have to work for was not something the realtors wanted.I am pretty new to real estate in US and for past 12 months have worked with 6 different realtors just to find that really the only benefit that they brought to the table was the legal documents and confidence that there is a shared liability through realtor looking at the deal.Maybe it is that I just have not found good investment or due diligence oriented realtors here in Portland, OR, but I felt like none of the ones I worked with had an idea about bargaining or how to form an offer based on predicted remodeling/fixing or income generation or even market conditions.

Have you talked to management companies to see what their actual cost and rent predictions would be?  

I've also assumed an equal cost for unit #4 as my current rent, as I am going to move into this - if I rented it out externally, I would predict $1200 -$1250 in rent based on comps.ExpensesI'm assuming all other expenses are in the mortgage.