The 6% vacancy rate is a good estimate, but local market fluctuations could affect rent.The HML terms (11.95% with 3 points) are high, so ensure a clear timeline for refinancing to minimize interest costs.

The only figure I can’t determine is the monthly mortgage because interests fluctuate and the down payment.

The key is to analyze occupancy rates, seasonal fluctuations, and what type of properties perform best.

Key risks in the BRRR 2.0 strategy include construction delays, cost overruns, market fluctuations, and difficulty refinancing if the property doesn't appraise as expected.

Quote from @Vince Scipione: Yes, they are a popular choice where I live and work, however with the ever fluctuating cost of oil heat, many people have swapped over their boilers/furnaces to what is called a "Propane Gun" essentially it is a device that is affixed to the front of the furnace/boiler that injects the propane and ignites it.

Also, factor in local regulations, HOA rules, and seasonality, as STR markets fluctuate.

Identifying the right properties, executing renovations with care, and remaining cognizant of market fluctuations help investors transform undervalued homes into profit-generating portfolios.

I have used both TSP loan and HELOC to purchase investment...I certainly thought the ROI from real estate was better than relying on highly fluctuating stock market. 

The truth is you can never get it "accurate" as the actual numbers will fluctuate year to year.

Market Fluctuations: The rental market can fluctuate, and there could be times when finding good tenants is more challenging.3.