Right now, a reasonable estimate is a low double-digits interest rate (say 11%-14% for example) with a few origination points (say 2%-3% for example).

Also, put any repairs pointed out by the inspector into the following categories (by priority)1) Health & Safety - to avoid tenant injury and potential lawsuits2) Property Preservation - to stop further costlier damages3) Government Required - city inspection repairs & S84) Marketing Negative Impact - who'll rent a house with purple bedrooms?

I installed a mini-split HVAC in one of my units a few months ago.

One young agent said "I am not doing double the work and only get half the pay". 

I feel they should use the transaction value still.I plan to fight with the fact that the market value was set a year ago and I have similar transactions that are lower from Refin this year and some had more bedrooms!

My current insurance company, who has me in good hands, essentially doubled what I pay on a monthly basis.

Some savvy flipper reconfigured the upstairs to add a bedroom but in the process, closed off most of the attic, leaving only a crawl space that did not even allow access to the entire attic!  

Upstairs has 2 bathrooms (1 for master bedroom + 1 shared with the other 3 bedrooms). 

Bedrooms look nice.The game room/garage looks a bit like garbage.

Many investors use a general rule of thumb for midterm rentals that they should earn about 50% more in rents than an equivalent long-term rental (whereas short-term rentals should earn double or 100% more than if the property was utilized as a long-term rental).However, for DSCR lenders, change can be slow and challenging, and many lenders prefer and require more precise qualification measures than rules of thumb.