The current use of the property as a two-family dwelling significantly impacts its value and marketability, which is distinct from single-family homes.The initial appraisal comparing your property to single-family homes is likely an oversight, as multifamily properties are evaluated differently due to factors like rental income potential and investor interest.

That will dramatically change the nature of the wholesaling business with the legal compliance factor that agents need to comply with.

You can put it all in that until you figure out what to do.One thing you didn't factor in your post is taxes.

Furthermore, I have an additionally factor of safety of 1.4-1.6 which means I say it's capable of only 70% of what it's actually capable of.  

DSCR loans don't require all of those things - your FICO and the income from the property are the main determining factors.

Her text isn't a factor either way if you give her notice.

I understand there are other factors such as pitch etc. but i am trying to get ballpark range. 

I am assuming that these expenses should be factored into your budget prior to calculating your cash flow.

Definitely speak to your accountant.2.When you go to refinance, the lender will look at several factors - the value of the property, use of property etc.

@Jay HinrichsAgreeMany use their primary residence appreciation as a factor which cannot be taken into consideration.