There's no way to answer this for certain based on this information. 

The best way to gauge value is to do it yourself based on reviewing comps taht were sold and condition and come up with your own number is what I have found. 

So, what I am going to write below is based mostly in just reading information online.The Alabama's relatively new tax lien systems is very similar to the Arizona tax lien system.

Another option is setting a utility charge per unit based on square footage or occupancy.

Essentially its not a calculator since it is speculative, however based on "comps."

That affects your loan amount and then principal & interest payment.2) Estimate rents based on recent rental comps3) Account for all operating expenses such as property taxes, insurance, repairs & maintenance (landscaping, snow removal, cleaning etc), property management (if applicable), vacancy, utilities (what does the tenant pay vs what you would pay?)

As someone who occasionally works with these investors, I always try to emphasize the challenges that come with real estate like managing renovations, dealing with tenants, and navigating market fluctuations.

See who has poor reviews or seemingly bad management and use something like PropStream to find the owner based on the cross streets and exterior of the house.

I contacted ALE solutions on Friday through their housing request form and just resubmitted with a longer term minimum based on what you stated here.

I've also seen investors self-insure smaller items like water damage or theft to cut premiums down to just catastrophic coverage (not ideal), but it can make or break cash flow in deals where the numbers are tight.In comparison to areas like Central Florida (where I’m based), Kansas City does have a more stable insurance environment since it's less prone to natural disasters.