The experts at BP were my 2nd stop as I wanted to confirm my calculations and assumptions on expected returns were in the ball park.I've been a member of BP for a while and you've always had great input.  

I use Rentometer and AirDNA and the Bigger Pockets calculators.

Calculate the infrastructure cost to build and maintain per 1000 residents for:- miles of road, sidewalks, streetlights- miles of utilities: water, sewer, gas, electricity, internet- public services: police, fire, snowplowing, public works, trees and green spacesAnd then people complain about taxes.

Your Net Worth ROI calculation takes into account the appreciation, loan paydown, tax benefits, and the rent avoidance (the difference in what you pay towards your mortgage compared to your rental situation).

The liability from the DSCR loans will still be calculated on your business tax returns.

good CoC seems easy enough to come by based on the calculators 7-8% on industrial 25-30% on apartments.

@Rahul Sivaswamy if you use the BP Rental Calculator, it defaults to 5% Vacancy, 10% PM, 10% Maintenance, etc.These are all pretty good estimates, except the Vacancy factor of 5%.

They should be doing a load calculation, taking into account insulation and window type if I'm recalling how it works properly. 

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

An insurance broker explained this to me in the past as the law of  large numbers which suggests if a a carrier has significant enough exposure in a market the probability of claims arising will be more consistent with probabilities calculated in their underwriting than a when a smaller sample size were to exist.