If you've used any kind of SEO tool (Market Samurai, perhaps?), you've noticed that some times the top guy has PR of 0, 50 backlinks and the next guy has 3,000 backlinks and PRof 6.  

 Sometimes the 0 PR top guy is optimized to the hilt, sometimes just a tad better than the #2 guy.  

 That tells you Google loves relevancy above everything else.  So when you post comments on blogs, forget about PR and concentrate on relevancy.  Then remember PR (Relevant and high PR is better than just relevant).

How do you know what's relevant in Googlian eyes?

When you do keyword research on the old interface of Google's keyword, Google tells you.

If you type 'home loans', it returns a bunch of words, arranged by relevancy in the top section (usually there are 2 sections).

Then it gives you additional keywords to consider, also arranged by relevancy.

So, the way to go about it, is to take the 1st keyword, Google it and the word blog or blogs.  As in, home equity loans blogs.

Now, I use firefox and have SEO Quake loaded (it's a free plug in that, among other things, tells you the PR of all the pages, without you having to open them.  Saves a bunch of time).  SEO Quake has a function that allows you to sort the returns by PR.  So, you'd have your Google search settings set to show 100 returns per page, slows down the loading time but overall save you time.  

It's a nice feature.  But if you use it, Daddy Google gets pissed off and doesn't play anymore.  Instead, it tells you It's sorry but it has to protect it's golden eggs 'cause you're a computer.  Anyway, it's done that to moi myself even though I'm millions of times better looking and smarter than a computer. Tsk, tsk, tsk.  I say, tsk.

Anyway, to write these here blog, I Googled that very phrase, home loans blogs.  According to SEO Quake, the results have the following PR

1-0;2-3,3-3,4-3,5-6,6-4,7-2,8-7,9-5,10-3,11-0,12-0,13-2,-140,15-0,16-0,

17-0,18-0,19-0,20-1,-21-0,22-0,23-3,24n/a,25-4,26-0

I've done this before many times.  Usually, I'm lucky if the thing returns 3-5 sites with PR's of 2-4.  On the other hand, this is not the only time I've found a mother load.

Not all the sites are actual blogs, some o them have the blog on another tab with a lower PR, but some are good.

Then you do the next keyword.  When you get tired or run out of the keywords in the top section, you move to the "other keywords to consider' section.

That's it.  You now owe me your first born. I, on the other hand, go place some comments for my mortgage site. 

Ta ta!