, is this something that would be offset if you just hold the property after a 5 year estimated proforma with a 3% appreciation/rent increase?

Is 5% rent growth conservative?  

The rents are still close to the 1% rule.

How much your place should be renting for specifically...  

I bought a condo in Lincoln Park, it is rented, but I already don't like dealing with an HOA, lol! 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Rents are mostly at market rate, and are for the most part, fairly consistent around the city.

Some PMs charge a full month's rent, others charge a flat fee. 

However, it's been six months since we hired a property management company, and the property is still not rent-ready.Now, the management company is telling us that we need to spend $8,000 to get the property rent-ready after a pagedale occupancy inspection.

The property is a cheap 4-plex in a college town near us that is already fully rented, and the rental income surpasses the PITI, but that’s where we run into my question.