When we order an appraisal, we are handing in a rehab budget to the appraiser and they will use this to help calculate an ARV which is used in the lending calculation. 

Just a quick comment and recommendation about Roth conversion: Never convert cash into Roth; if you do - 100% of the cash converted is taxable.

If the bill is $100 a month split between four units, increase it to $120 and charge each tenant $30.How to calculate charges.

Learn about the Net Operating Income (NOI) and Capitalization Rate (Cap Rate)—these are essential to analyzing the potential profitability of a property.Return on Investment (ROI): There are different ways to calculate ROI in real estate, such as looking at your total return after a sale or assessing your rental income versus initial investment.

The calculator estimates that operating expenses are equal to 50% of the monthly income.  50% is a rough guide. 

Where did you get that calculator?

Even if you want to roll the dice, at least is a calculated risk, not a surprise down the road. 

Also, keep in mind occupancy is usually calculated yearly.

If anything, I'm able to be a resource for them because I've read the entire book and have access to calculators here on BP to help them run analyses.

Quote from @Jimmy Rojas: Thanks for the reply, i think it may not be worth it after all, may I ask did you use a calculation app to come up with the mostly payments, if so, care to share it with me.One more thing.