I am merely exploring the variations in the different cities of California as far as expected returns and comman investment numbers.

I'm merely speaking about the suburbs of Cleveland.

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I am really new to the real estate game, (mere months) and so far have only partnered with local investors who flip and hold SFR's...

I'm in Huntsville, a mere 30 minutes from you, and I too am having a hard time finding good deal properties.

. $12k/$25k is a mere 4.8%.

That is merely a bonus for using leveraged money.   

That said, not many people on BP want to merely 'break even' on their rental props.

This is merely a regurgitation of what I've read/heard through BP.I'd recommend vetting the already-in-place tenant as thoroughly as possible.

You should be able to compare your loan estimate to your final costs, but they merely need to be within a percentage of each other.