Sometimes, different lenders have different approaches to rental income calculations!

One thing thats hard to calculate is rent growth.

Were you making a calculated decision?

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?

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

However if you didn’t calculate in at least some percentage of the rent for vacancy, repairs, and CapEx then eventually things will happen, such as a vacancy or a repair being needed and you will be out of pocket a much larger amount of money than just your $400.

Plus new folks do a very poor job of screening the buyer for Ability To Repay (ATR) which involves pulling full doc and calculating the borrowers DTI, honest income, honest debt payments, prior debt payment histor (FICO) etc etc.Plus shockingly (or shocking to sellers) if you bought this investment house, fixed it, then are selling with financing you are selling "inventory" and y9ou owe taxes on the gain in the year of sale, you are NOT able to use installment sale to spread out paying taxes. 

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

What you have calculated is not cash on cash return.   

I literally just found the "SELL OR KEEP" calculator here on BP with the rest of the calculators!