Stop denying the facts.So, are you the guy that when teacher ask's what 1+1 equals, you ask for a calculator????

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

& track my job costs against each category so I can compare my budget vs actuals and calculate the variances.For example:Electrical Budget: $4,000Electrical Actual: $6,300Variance: +$2,300This process is more tedious because you have to breakdown each invoice or receipt and allocate the costs to each Category, but it really helps you understand where you are spending your money and why you went over budget.Otherwise, it sounds like you are having trouble measuring employee productivity?  

Based on the purchase price, closing cost, agent fees and certain other items you will calculate (capitalize) a total number.

Aside from the risk of taking on the property with tenants, you may also have to purchase site unseen which makes it tough to calculate repair costs. 

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

The big question is whether you calculated cashflow properly.

There are just numerous variables and calculations you must analyze to check. 

I would definitely pull up Excel and do some of your own calculations to figure out how things will look.

It sounds like you took some calculated risks which have obviously paid off.