I see online its 0.45% of the assessed value, so how do we get assessed value? 

From what i've read online (not financial advice) the bank only requires one of the owners to use the property as their primary to qualify for a primary financing.From what I understand this will also very much depend on the internal guidelines of the particular lender you're talking to. 

What I mean is this Money market at Bank of America pays for instance 4%, the money market local Bank of Bricktown Pays 4.5%, an online outfit is offering 5%.

Happy to connect and discuss more about your current situation and other options available to you.

However, am very much interested in connecting with you and picking your brains. 

Let's connect!

I would add, also check to see if you state has court cases on line.

Shop Around: Compare rates from other commercial banks, credit unions, or online lenders to find competitive offers.5.

I haven't been able to find the answer to this online.

This is just speculation, but supply and demand drive the market...Reach out if you want to connect or chat more about the marketAlan,My question is why do you say not to factor in other expenses other than the PITI for net income.