When they all finally closed, six months later, I calculated our profits.

You can easily calculate the price you would pay without the exemption by looking at the gross tax bill that was just run for 2024.

Don't worry about any of his "calculations" or "reasons", in my experience judges have no time for that stuff.

I ran my calculator to get a quick "what if" on a 30yr picture.

Send me a DM and I can send you a link for the All In One mortgage savings calculator.  

I'd like to know in your experience what I should be calculating for my estimated expenses?

Rough calculations on what I need to be looking for:90k deal (purchase and renovations to get max rent)20% down = 18k from me80% bank loan at 8%, 20 yr amortization = 72k-------------------------------------------------- Here's my DSCR calculation:Calculate Net Operating Income (NOI):Monthly rent: $125040% expense ratio (taxes, insurance, repairs, vacancy) = $480NOI: $1250 - $500 = $750Calculate Monthly Mortgage Payment:Loan Amount: $75,000Interest Rate: 8% per year (0.08/12 = 0.006667 monthly)Loan Term: 20 years (20 * 12 = 240 months)Monthly Payment ≈ $627.83Calculate DSCR:DSCR = NOI / Monthly Mortgage PaymentDSCR = $750 / $627.83DSCR ≈ 1.20Therefore, with a $75,000 mortgage at 8% interest over 20 years, the DSCR is approximately 1.20

@Hamidou KeitaTo build a duplex or ADU in Tucson, verify zoning regulations, obtain construction estimates, budget for unexpected costs, research market rent and vacancy rates, calculate ROI, consider neighborhood and property value trends, analyze construction timeline, consider exit strategy, and consider a backup plan.

You can find online mortgage calculators that allow you to play around and see what happens if you do an extra payment or increase your payments.

Regarding calculating ARV, we also own a mortgage company and a real estate company, we we do a CMA using the MLS.