Some lenders are going to have overlays or not understand how to actually calculate rental income properly (full disclosure - I've closed loans that were turned down because of a banker or loan broker not understanding how to calculate income).  

@Paige Corsello...You could call your bank contacts and find out if they are broker friendly.

Quote from @Jeff Sanders: Personally coming from an agent/investor in CA, I always get a quote from a broker of mine and make sure I am knowledgeable with the fees/costs.

Have your broker or banker pull and send you rent comps / market concessions / etc. from like kind / vintage / size properties in the immediate neighborhood surrounding your asset in Baton Rouge, and then make a value judgement on whether you have room to push.

I'd talk to your broker on what it'll sell for after the fact and where the market is heading over the time you plan to own it. 

Disclaimer: I am a licensed real estate broker associate in Florida, not a financial advisor, lender, or attorney.

Being a broker myself, I can attest to the incredible value you can bring to clients by understanding not only the brokering side of things, but the application of those funds. 

Michael Mergell (self), the Investor's Broker

🚀Disclaimer: I am a licensed real estate broker associate in Florida, but I am not a lender, financial advisor, or attorney.

I'm also a commercial mortgage broker.