I have networked with many people, cold called for a company, learned how to run ARV, how to calculate repairs, all that jazz.

An investor friendly agent can do all sorts of helpful things, like setting you up with a search for properties or connecting you with folks who have recently done deals like the ones you want to do. 6) Consider analyzing a deal or two in your local market, just for practice, with a free use of our Rental Property Calculator (or other calculators).

Track income, build a reserve, calculate DTI, stabilize income through diversification, and start small.

So, they calculate and charge the penalty at each payment - if you are paying extra. 

if the loan is $1000 per month, $250 will count against their "back end ratio" in calculating the their debt to income. 

Doing the numbers on a commercial property value calculator, without debt service I will be at at a valuation of $3,026,400. 

It doesn't sound like you're using a multi-family spreadsheet calculator to underwrite your deal. 

Will you be using the BP calculators (or alternative) to determine "pure" cash flow so you find a deal that really works.

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.

To be clear, I am running comps to help calculate the ARV.