They are doing something right, they aren't extracting huge listing fees out of us.

If their reason is a low motivation or they want rounds of market bidding to extract every cent then I pass on that property.

In particular, I am a little confused about how the equity gained and then extracted in the form of a home equity loan would factor into the Total Annual ROI and the CoCR in this case.

However, based on the information provided I'm deducing your plan is to move back in 5 years and live in the house and extract that appreciation/equity by means of a loan or refinance (which has it's own risks; cause in the future interest rates could be higher).

Try to buy a product that contains saccharomyces ferment or yeast extract or enzymes.  

That factor is never going to change no matter the source of the loan.In my case, my 401K loan had no origination fees or costs, was quick to get, does not show on credit report, and is used as a short term bridge loan until I can extract the equity from the house and re-amortize the amount over 15years (instead of 5).  

If you knew (maybe from an old neighbor) who they hired to extract water/did repairs they may confirm if an insurance claim paid for their services. 

If the renovation was less expensive I would suggest obtaining permanent financing from the beginning but since you are adding considerable value, you may be able to extract a good portion of your initial down payment and renovation funds.

Personally, I would extract the equity out and invest in another deal for added diversification and to spread out risk.

@Alex Lade Are you referimg to data extraction?