I feel bad for the investors who are likely going to lose out on their hard earned income and invested in this company but it can also be used as a case study for other members of the BP community moving forward before investing.

That would allow you to put down less knowing you have that income coming in.Otherwise, is it possible to consider moving somewhere more affordable so you can reach that financial freedom you want? 

This property gives me significant income, so losing it would be an extreme loss.

Are you looking for steady, low-risk passive income now, or are you comfortable taking on more leverage to scale faster?

Mortgage lenders will qualify you for a higher purchase amount for multis than they would on a single, because they will count the rent you will be making on the other units as additional qualifying income for your loan application.

The calculator estimates that operating expenses are equal to 50% of the monthly income.  50% is a rough guide. 

thats far more than you will make starting out as an agent.. but once you get stateside and if you are successful at Commerical RE  takes 5 to 10 years to build your book.. then big income is a reality..  

The investment city determines rent growth rate, appreciation, and income longevity.What determines rent growth?

It varies by program.To learn more about DSCR programs: DSCR loans won't use your income to underwrite the loan.

The reason not to upgrade, is that you won't get that much more income for the cost of the upgrades.