It is just a calculator.

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

As for your other questions:It is currently on the market and has been so for several monthsI don't have anyone representing me yet...trying to learn as much as I can before taking that next step with a realtorI don't know why the owner is sellingI don't know the standing of the tenantsRent appears to be at marketAssuming 10% vacancy rate, my calculations show that it would indeed cashflow.  

This is an expectations issue, not a calculation one.With that said, you need to be looking at properties where you can add units and/or bedrooms.

When your tax professional calculates your UDFI tax, you can obtain information from the asset sponsor for potential write-offs. 

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

Commercial value is frequently (but not always) calculated by income.  

Your question is should you pay cash or get a mortgage.The investment calculators will say you will have a higher return on investment using as little of your own money as possible.Depending on your goals, like if you want to buy more rentals, this may be a wise strategy to put as little down as possible.However, if you are strictly looking to maximize your cashflow, having a paid off house is great.Honestly, I have a bit of both but like having the house paid off.

Property Age and Condition: Older properties may require a more significant reserve due to higher maintenance needs, while newer ones may allow you to taper off sooner.Understand your portfolio: I look at my portfolio as a whole and calculate a number I am comfortable with.

Here’s the quick-and-dirty lowdown to get you started:1️⃣ Where to Look:LoopNet & Crexi: Good for commercial deals, though the best ones go fast.MLS (Multiple Listing Service): Access through a realtor for hidden gems.Auction Sites: Think Auction.com or HUD homes for distressed properties.Direct Mail Campaigns: Target landlords with older properties (especially those with code violations).2️⃣ Systems for Finding Deals (Step-by-Step):Set Your Criteria: Market, budget, unit count, rehab level.Build a Deal Funnel: Use LoopNet, Crexi, wholesalers, auctions, and brokers.Analyze Quickly: Use a property calculator to see if it cash flows.Direct Outreach: Contact sellers or property managers directly.Get Your Network Tight: Property managers, realtors, contractors—they’ll drop the best leads.3️⃣ What Makes a Good Deal:Cash Flow Positive from Day 1.Below Market Value (usually needs rehab).Upside Potential: Think rent increases, better management, or refinancing options.4️⃣ How to Become the Better/Best:Study the Market Like a Hawk.