actual mortgage, actual taxes, actual insurance, actual capex.with that said it will probably be closer to the 50% rule than using teeny tiny percentages for vacancy, repairs, capex, etc.

I found a buyer for my home, got a payoff statement from the mortgage company stating the payoff was $247,000 (principal at $233,000 + fees and charges), the buyer was willing to pay $271,000.

it typically takes a few years just to recover the closing costs. those are the types of things that get sugarcoated / ignored and they shouldn't be.3 separate recent sources show that it is cheaper to rent than buy at high LTV in virtually every market.  

I'm trying to figure out if I can get the consistency in MTR for the price I need to cover the mortgage. 

We are planning to finance with a second mortgage and will use the property on occasion but would also like to generate an income and/or offset the mortgage.

My first rental has over 100k equity and the rent is almost double the debt payment (I've got a really great mortgage from 2020 so it cashflows very well).

You might also consider lenders like Velocity Mortgage or LendingOne, which cater to real estate investors.

Mortgage broker.

It felt like a no-brainer for the value of the land, but being able to utilize a traditional mortgage because there was a clean yet simple 3 bed 2 bath house on the lot made the deal even sweeter!

My mortgage and escrow don't allow me to consistently profit enough on both floors to handle a 20% management fee and not take a loss some months.