Are most of you including things like property insurance, etc in your CoC calculations?

I'm using the BRRR calculator to analyze a few opportunities. 

But what I found ironic are:- Andy, who has been working full time in RE for 4 years, are finally going to make $50K passive annual income from rental (with a flawed net profit calculation that didn't income vacancy rate, maintenance fee); and he said after attending the $39,500 program, he paid total $80K--poor Andy didn't even make his initial investment back after four years and yet they are demonstrating him as a success case.- In fact, Andy is now a "trainer"--which seems to me, training is their stream of income, not real estate- Andy revealed that he found his deal leads through words of mouth; what's ironic is the instructor kept on selling the importance of the company's Elite Success Software and told us we can't make deal without itInstead of teaching something, they spent the whole third day (at least until 1 pm when I finally decided to leave) selling the program.

More importantly, when you are looking at your exit scenario of selling, the same question applies but in reverse, are you calculating the new tax rate the next buyer will pay and reverse calculating a sale price based on the market cap rate?

If there’s no lease, the appraiser will determine the rent to calculate the DSCR.  

What blew my mind through this process is how people calculate returns.

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

This way you can calculate how much you can realistically invest and keep for reserves.

Use tools like the BiggerPockets House Hacking Calculator to analyze deals, get pre-approved for a mortgage, and begin with a manageable property to build your experience.Good luck!

My guess is that it won’t actually take you a lot more time, just the extra fees, but those should be accounted for in your profit calculations