The best thing you can do is reach out to other banks and get estimates from them.

Here's an example:-$230K sales price w/20% down is $184K loan amount-30 year fixed rate mortgage at 4.5% is about $950/month-Rent=$2000/month-Mortgage=$950/month-Taxes=$250/month (guessing)-Vacancy=$200/month(10%, which is about 1-month per year)-Insurance=$110/month (guessing)-Management=$200/month (10%)-Maintenance=$200/month (10%)=$90/month cash flowThese are estimates since I do not know your tax rate and insurance.

Scott The Book on Flipping Houses, The Book on Estimating ReHab Costs http://www.biggerpockets.com/flippingbookConsider checking out HUD homes for small multi's owner occupied gets first crack.Download BP’s newest book here some good due diligence in Chapter 10.

They usually raise the comps and show the deal on paper using only the purchase price, estimated cost for repairs and the ARV.

Scott The Book on Flipping Houses, The Book on Estimating ReHab Costs http://www.biggerpockets.com/flippingbookDownload BP’s newest book here some good due diligence in Chapter 10.

-Budgeting for repairs and capital expenses:When estimating your monthly cash flow, I've heard many recommend to budget 10% for CapEx and 5% for basic repairs.

Total rehab: $17,270 (estimated was $18k and change)The numbers on this deal:Purchase Price: $72,000 cashRehab Costs:Kitchen Granite: $1300HVAC upgrade: $500Electric Fixtures: $800Interior finish: $2300Bathroom: $800New floors: $2800Dumpster: $1000Deck: $3000Microwave oven and elec: $600Rotten wood removal: $895Deck stain: $595New sod: $1795Shutters: $295Concrete stain: $495Mail box: $95Total rehab: $17,270 (estimated was $18k and change)Total cost: $89,270Sold price: $115,000Profit: ~$25,730 (after soft costs it should come out to around 20k, need to figure those)DOM: 150They really nailed the rehab budget and for that I give them credit.

Scott The Book on Flipping Houses, The Book on Estimating ReHab Costs http://www.biggerpockets.com/flippingbookDownload BP’s newest book here some good due diligence in Chapter 10.

I bid on the Fairview property for $96,500 and lost so I'm guessing the sell price ended up being pretty close to what @Mark Updegraff estimated it at around $100k.  

Although the scores are estimates, their website should point out the problems you have on your report.No offense, that is a really low score.