If you are trying to be more precise - You may also want to consider if the lender assumes interest payments based on a 360-day year or a 365-day year as well as the number of days in each month which could be 30 days or the actual number of days. 

Instead, if it is some number way above your budget, I would recommend possibly slimming it down but being smart, and precise with how you do it.The last thing I will say is you do appear to be targeting large cities with already tough competitive markets, so just take that into account during your marketing.

I would like to have a more precise rental value per apt than $2500-$3000/mo. 

No one else knows your criteria like you do and you can market to meet it precisely.

That should provide some more precise numbers.

@Neil Schlimgen I can answer this question will very precise information.With a "conforming, conventional" loan (loans governed by Fannie Mae and Freddie Mac) they will require you to have 2 years of commission and bonus to use that income. 

I would put in a precise number, 131,550.  

@Lucas Machado  Thanks for your insight - That's precisely the issue I just ran into on a detached duplex deal that I just lost.

.: COA is included into HOA, so this is good.And it is precisely my reasoning - most of the staff is taken care.

A precise definition is not possible.