I think HML started to market at PML to give borrowers the illusion of cheaper rates easier terms etc etc when that simply is not true in practice.

You are never obligated to make accomodations for the tenant, you are simply required to allow them to make reasonable accomodations...and a structural door widening would not be 'reasonable'.

So, in that case you are simply entering in the loan payment amount for the mortgage and then creating estimates for the mortgage and property tax amounts as well.

I’m reaching out as I’m looking to venture into the real estate investment world—something I’ve always wanted to do, and now I’m determined to take action.Last year, I found the perfect multi-family house, but it fell through at the last minute, leading me to jump into a single-family home.

Market Research: What factors did you consider when determining the potential resale value?

As a new investor, I simply don't have the budget for ListSource.com or the like, with prices between $0.14 and $0.18 per lead.

Your schedule E will show what you are depreciating but not exactly how those numbers were determined.  

If you wish to buy rentals using your retirement funds you simply need a self-directed IRA (or Checkbook IRA if you wish to have more control). 

So, I would simply make it about paying what they owe.

@Wayne Chou, as Greg notes, it would be helpful to see more of your calculations and how you derived them.As for what is reasonable, this can only be determined by you.