...I just want to make sure that we are comparing apples to apples (see to scenarios below):...Scenario A: I am using 20% down @3.8% interest at 20 years  = CoC% of 10.2%Scenario B: I am using 20% down @4.2% interest at 30 years = CoC% of 14.3% (+40% increase in CoC%, just extending the loan term).What do you think, Tim?

The current company I am using keeps adding multiple expenses after a thorough "turnover".

I am using a local insurance company for most of my stuff as State Farm and the other "captives" weren't competitive or fun to deal with as I scaled up. 

So the home I am analyzing is located in Jacksonville, Fl.https://www.realtor.com/reales...PurchasePurchase price : $150,000 closing cost: $6,000 (This is where I need the pushes in the correct direction, I'm not sure what numbers to use)Loan detailsDown payment: $30,000 (20%)Interest rate: 4%loan term: 30yrsThese are all standard numbers I am using from watching the analysis videos Brandon does.Rental IncomeGross Monthly income: $2,170 (bigger pockets rent estimatorExpensesProperty Taxes: $292/monthInsurance: $56/monthI get this information directly from the listing on Realtor.com would I be correct to use these numbers?

I am using a friend's MLS access and the rent estimator here on BP

It is tough to give an ARV when the calculator requires it when there is none to be found.I am using the MLS trying to find this info.

I currently am using spreadsheets and it is getting difficult to manage and while refinancing properties I noticed I take a lot of time to gather my mortgage statements.

I am using 25-35% since that is what I would need to get to "75% of ARV." 

I am using a VA loan if that helps anything.

I am using a Debt Service Coverage Ratio loan (DSCR) to buy a multifamily property because I have no income.