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

You plug in whenever set your timer the car starts to charge right at 10pm and with just the standard charger Tesla has takes about 4 to 5 hours to fully charge so by 2 to 3 am your good to go and as I have calculated my energy costs.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Sorry for the following Contrarian advice, but you're not a 5 year old so:The only reason to buy a personal residence (Home) is because someone is forcing you to.Usually, this person is called your Spouse (which is Latin for someone who forces you to make horrible financial decisions then criticizes you for them endlessly:)perhaps DON'T buy a home, just rent something affordable and invest the 20% or in your case 50% into the stock market (sp500 16.1% yearly return last 15 years, 11% last 50 years, 10% last 125 years)remember, your RENT is your maximum monthly housing expense, but your Mortgage is your minimum or starting monthly housing cost, it always goes up from thereI've, owned 2 personal homes, 100% appreciation in 6years on #1 and in 7 years on #2, (I timed our market perfectly both times), with 20% down and very low mortgage rates, but after honestly calculating all expenses, only made about 5-6% a year "investment wise".

I’d have a better picture by sitting down with someone at a bank, but I did a calculation online and the new loan on cashing out $130k would still be covered by the current rental payment.

This is an expectations issue, not a calculation one.With that said, you need to be looking at properties where you can add units and/or bedrooms.

For instance, a worksheet calculator that you can depend on for accurate rehab numbers, a coach or mentor that has experience wholesaling whose brain you can pick, a curious, principled solution-based mindset, willingness to find sellers that are NOT on the market, and for good measure -- steal underpants!

If I was them i would be calculating how much you got in payments subtract that from the amount you invested and then see how much that sums to .. 

I am hoping for lower interest rates but I calculated I would need the rate to be low 3’s to break even.  

That amount and the debt pay down that your tenants are making for you should also be added to cash flow for your ROE calculation.