I would use those documents to produce the estoppel letters and would offer the tenant the chance to adjust anything that they think is incorrect in the letter.

(which, possibly incorrectly -is why i'm so smitten by this idea)I do appreciate your caution, and I want to go into this with my eyes wide open.

It's shocking the power they hold.You're likely to have some expenses here in getting out of this unit due to this incorrect information.

I just realized that the second set cash flow calcs have the incorrect Cash on Cash calculation because it doesn't take into account that you have been living there there for over a year and so you wouldn't have those startup expenses - the amount you spend in year two will be different than you spend in year one since you wont have closing costs or down payment - that calculator is meant for running the numbers of a purchase - when I send you the file , you can play with numbers all you want to see what it would like after the first year. 

Has this changed or am I just doing something incorrectly?

This is just factually incorrect.

If so, the appraisal may be incorrect, and there may be no resale contract, but you still have a property you can take through foreclosure.

As I said at the beginning of my post, there was a bunch of bad information (much of it blatantly incorrect) in the previous several posts, and I commented on parts of several posts.I have now gone back and looked at the parts that were attributable to you and it is crystal clear that you don't understand operating expenses.

I was just asking so I could learn and see if my way of thinking was incorrect.

I looked at the map incorrectly and my $1 million comment is absolutely incorrect and very far from the truth.