By the time you factor in insurance and any cap ex....it's already a loser...even if you aren't carrying a mortgage.  

What further analysis should I be honing in on and key factors/metrics/info that may be providing inaccurate numbers?

When considering refinancing, also factor in the closing costs of the new mortgage to determine if it actually helps you.

Insurance is just an expense to factor into your underwriting just like property taxes.

The house will need a new fence soon, so I'll have to factor that into the scenario.I'm not sure which choice is the best option for me.

Bad part about low money programs people don't talk about, before 2022 this would not be a factor

It's a great property with tons of potential but it's missing the IT factor.

Determine the most likely sales price of the build (factor in the cost of the land also) and include all selling costs to arrive at your net profit and ROI. 

I guess it's just too many factors to consider and it easy to get overwhelmed and cannot get accurate info and estimation when I conduct analysis (ex. property tax rate, insurance, maintenance fee, rent, repair, closing cost, etc.) 

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.