And your calculation makes sense for a property that you plan to keep forever so to speak. 

A brand new calculator is just that, a calculator.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Calculate how much more in interest, lost profits, etc it will cost you to have this “blip” on your credit report.  

The current real estate environment that we've been in for the past several years hasn't presented any opportunities for deals like this.Because of the above bullet point, my real estate folio is kicking off a ton of profit each year which is fully taxable at ordinary income rates for me with federal plus state that means 42%From day one we've always self-managed everything, and built a great team of sub’s and handymen in every area, so that I’ve never had to do any labor.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

You can test this, by asking some to SHOW you how they calculate ROI, Cap Rates, Cash-on-Cash, etc., for their clients.Many will say, "that's the investor's problem".They are correct because an investor should NOT rely anyone else to run their numbers.So, then what exactly makes them investor-friendly?

Educate yourself with resources like The House Hacking Strategy and practice analyzing deals using tools like BiggerPockets calculators.

Others are more hands off and want the data but don't need to calculate to the penny.