You can use this tool to estimate future property taxes: https://treas-secure.state.mi.us/ptestimator/ptestimator.asp

You estimate vacancy at 8% which is conservative.

I am not going to say there is a best lending model, but brokers legally can not be paid as much as IMB's, and I tend to be cheaper in more situation than not when comparing a loan estimate from an actual lender. 

I use a different site to get rental estimates. https://propertyprofitcalc.com/RentEstimator

Here are the numbers:Property 1:Purchase Price - 130k Current Zillow Estimate - 166kLoan Remaining - 100KCurrent Interest Rate - 5%If Refi - 6.38%Obviously at higher interest rate my EMI is gonna increase , but at same time I am adding an additional asset which would cashflow as well.

So, this is why your lawyer may have estimated high.

I am having a sewer line repair company come out and give estimate to repair vs replace. 

I underestimated the costs of furnishing from a blank slate, so now know to include more expenses in my upfront cost estimates.

While the property requires renovations, inspections and estimates have been completed, and construction is now underway.

Estimating material costs is easier but the labor is tough.