Obviously I want to keep my costs low but still want to spring for amenities that would give me a competitive edge compared to other rentals.

Happy to chat and help you compare your options.

I feel that they have over-performed for the price and are a great value compared to the prices paid by my peers.

That's easy compared to trying to fight and erroneous $13k water bill (a real issue we had) or an insurance policy tripling (that too).

If it's a long-term play, the potential savings on PMI with a conventional loan could be significant.Have you compared rates for both options?

Westchester, although one of the hottest markets, has a ton of upside with opportunities for both cash-flow and equity. 2-4 family properties in Westchester are the 2nd most affordable in the NYC Metropolitan area (next to Suffolk County) making it easier to find cashflow opportunities when compared to the boroughs and other suburbs like Nassau.A client of ours in Westchester recently purchased a < $800K 2-family with a detached 3-car garage which brings in additional rental income - from a local business owner with commercial vehicles.

I know you mentioned other units are listed comparably but asking price is not the same as rented price.

Run your own airbnb comps and see how your rates, pics, and amenities, compare to them.

 @Jordan Laney Asking what others pay for snow removal and comparing your yearly spend to past years is not productive.

Compare other rentals with a similar size, location and bedroom count to get an estimate of what the rent would be while you're living there.