I have come to the realization that my calculations are not as solid at I once thought.

- Suggest you Google "Amortization Calculator" and run a few scenarios to open your eyes!

The DSCR lender will likely rely on both the 1007 and the AIRDNA info, sometimes at the lender's discretion (which one they will use for income calculation). 

The denominator in the calculation is your capital/equity and with no debt the return on your existing equity is low.

It scales up to 37% once you get to around $12k of income but the UBIT is calculated after the first $1000 is deducted along with expenses and depreciation again only on the same % the property is mortgaged.

I suspect I can build this in 6 to 10 hours, but it is always helpful to have another brain on the job. 3) There is an advanced function I would like to build, but sadly I can't recall the mathematical functions necessary to make the calculations. 

However, I’m not sure how to accurately determine its value, given the configuration and the fact that it’s not fully rented.My Concerns:Determining Value: How should I calculate the fair market value for this type of property?

That's looking at it through a narrow lens though, when you zoom out to 5-10-15 years down the road and calculate the difference, in my experience the appreciation has been far more beneficial than the $200 difference per month in cash flow from a different market.

Is the price calculated by the client alone, is the client taking the expert advise from the agent and doing all the homework?

We’re looking for Excel models to compare these options and calculate potential net worth in both scenarios.