We are ok with making calculated risks with our money, but when you introduce other peoples' money to the equation as a variable it can get sticky.

Many of the BP calculators want you to put in 5% but this is not always accurate.

Maximize financing options, look for properties with value-add potential, focus on cash flow calculations, and consider nearby neighborhoods.

It may just seem like a small amount because the properties there are pretty cheap, but if you back-calculate the property tax rate, it's relatively high (not Texas high, though).

Underneath the surface its a little more dicey and one has to be very calculating.

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.

And the calculation windows for when interest is assessed would probably surprise most people, it's generally not what one thinks it is so often waiting to that statement does often incur interest charges. 

If i am holding onto this property for a definite period of time, I also will want to calculate the IRR to see how it stacks up with other potential investments that I have run into.

If you borrow against the equity, you'll need to include that payment in your calculation, as well.You make 3x the average income for Pennsylvania at the age of 32.

Do you know of any tools that can do a full end to end deal analysis, as well as looking at title, calculating cash flows, and giving a full picture of the investment potential of a property?