The only things that matter are credit, down payment, reserves, and DSCR ratio! 

Maybe you can use your duplex as collateral seeing as you don’t have a big down payment?

This could increase interest rate and or down payment.2.

This has to do mainly with the timing of property tax payments for your own home (not for your investment properties) and your charitable donations.

Properties will find buyers at any competitive monthly payment.  

Received access to mortgage portal to ensure all payments are made (including escrow).Anything else here I should do or not do if acquiring for the long-term?

Deduct NEW property taxes after you buyDeduct home insurance costsDeduct maintenance percentage, typically 10%Deduct vacancy+tenant nonperformance percentage(we recommend 5% for Class A, 10% Class B, 20% Class C, good luck with Class D)Deduct whatever dollar/percentage of cashflow you wantNow, what you have left over is the amount for debt service.Enter it into a mortgage calculator, with current interest rate for an investment property, to determine your maximum mortgage amount.Divide the mortgage amount by either 75% or 80%, depending on the required down payment percentage - this is your tentative price to offer.If the property needs repairs, you'll want to deduct 110%-120% of the estimated repairs from this amount.Be sure to also research the ARV and make sure it's 10-20% higher than your tentative purchase price.As long as the ARV checks out, this is the purchase price to offer.It is probably significantly below the asking price.

(Close on the payment calculation!

It's still early but we're expecting tenants to use the service for 9-18 months, and about 45% to also order the extra reporting of their previous rent payments which costs ~$20-25.

But the $2300 down payment, $2500 over asking and paying the fees seems, not quite right.