Are Banks still dealing at 65% ARV

Bird Dogs, Wholesaling
1

Are Banks still dealing at 65% ARV

How do we get our offers accepted? Just keeping making low balling?
doms at 60-100days +
s cal
List price is 89,900
arv 100,000

1.) yr 1985,3/2,1200sf
list ptice 89,900
100,000 x .65 =65,000-20,000 repairs x .90=40,500 mao
are these offers 2 low , i try to go at 45,000 still think i am off?

2.) area 2

yr 1933
70,000list
arv 80,000
80,000 x .65 =52000 -repairs 20K=32,000 x.90=28,800

agents and bank are not junping at our offers?

2

are investers looking at sold # or true ARV ? prices keep droping how do know and where do i get the right ,comps,arvs for my formula?

3

so when the bank drops the price ,thats the deal # ,go ahead and offer at list, i mean these house…are 3/2s yr 1986, 850 sf to 1100 sf i cant see going for more than 130-150 arv… so they are droppig the price to 105,100,89,85 max

still at lets say 130,000 arv x .65=85,000- 13,000 repairs=71,500 x .90=65,000 MOA…that looks a little better yes?