They can accomplish this because the note rate on the loan (after the buydown adjustments) will be higher than the current market rate.

I've been pondering how to adjust my role so that I can so from basically being self employed with my BRRRR investing to actually having a business that will accomplish work with or without me.

The current owner isn’t willing to adjust the price but if we get desperate I suppose we could pay him to move ourselves.

I know this may sound like me being lazy, but isn't the point of the calculator to save the time required to manually add numbers?

Unfortunately they just re-signed for another year so they will be below market but it will be adjusted accordingly.

The insurance adjuster plans to do his assessment either today or Monday.

You could also ask since he does not want to pay for the Phasr 1, would he be willing to adjust the price by $2500

Learning to adapt to the adjustable market is now what I do.

Or should I rethink my strategy and make some adjustments somewhere in my process so that I can stay competitive?

Assuming you don't care what the rate is or what fees are charged or if it's an adjustable rate mortgage, you can get a mortgage with way less paperwork in the future.