I'm looking at 185k with 5% down but it seems that in factoring in all other expenses (vacancy, capEX, repairs, utilities, management, etc.)

Since I’m not sure about the size and other major factors, take this advice with a grain of salt.Good luck with your decision! 

If you think the property is going to continue to appreciate and you can manage the rental, and it at least breaks even, and you don't have need for the funds, you can consider holding.Those are a lot of factors to consider.

Or are you considering different factors for capital? 

I have come to the conclusion that modular and site built are the same on a $ per sf basis once you factor in transport, setup of the mods.

You need to factor in rehab, buying, holding and selling costs, because that is what the flipper will factor.

I had analysis paralysis yes it’s a real thing, even if it’s just an umbrella term for a multitude of factors.

It's worth a listen just to have the perspective of the other ways to factor into the decision making process.Hope that helps.Mike

If cost is a big factor which I completely understand during these times, then search around but know finding that real estate-friendly accountant that is in the $1,300 (depending on your situation) range and having a good relationship with them might be difficult to find.Lastly, ask her if additional services come with that price. 99% of the time the answer is no, but some firms offer free mid-year calls or check-ins for being a tax preparation client.If you're comfortable reaching out to remote firms contact anyone here in the forums.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).