It's almost like you paying for someone to cut your lawn, they cut half, and plan on coming back when they feel like it but expect to be paid in full. 

I understand my bank is different from yours and there isn't a clear cut explanation an what may or may not happen.

Certainly doesn’t sound like this method makes the decision as clear-cut, so I want to understand ‘why’ I would be analyzing the return in this manner before factoring it in to the decision.

Find A DSCR lender, many have cut this program off during COVID-19 but they are still around

Hello BP familyTo cut the long story short I rented my condo to 3 individuals, 2 of 3 were less than ideal candidates with poor credit score (bad idea!!)

It must be that people want to milk as much money as possible from their property and an offer 30-20% below market value will not make the cut.

@Tchaka Owen - HELOC would normally be great advice but those were the first things being cut when the market started to tank.

Sorry your senior year got cut short!

For example, painting would go on the Repairs line, cutting grass on the Maintenance line etc.

You could either take the same loan amount you originally had in mind and keep some extra cash flow or cut into cash flow a bit and take the extra cash out.