They are both identical layouts .

I like to run my numbers through BP or through many of the nearly identical public spreadsheets you can find in the Tools > FilePlace section, all uploaded by fellow BP users.

very common in Mississippi.... even in large SFR subdivisions CCR's dont allow monthly rentals. one needs to be cautious there.. if you need to move you can't rent... the local homeowners don't want renters in their neighborhood.I too question how you financined this as a rental with only 5% down.. its sounds like if that is the case you may have todl them your owner occupying and in that case you have done mortgage fraud..

Cozy requires an identity verification using a credit bureau (Experian I believe) before allowing you to collect rent.

What do the FRAUDS AND SCAMMERS teach others to be successful FRAUDS AND SCAMMERS?

If you don't live in the property for a year, you're committing fraud which I wouldn't mess with if you want to buy more property in the future.  

If you are making fake mortgages and get caught you are in big trouble, its called creditor fraud. 

In addition to that, the house right next to it, which was built identically to it sold for the exact same price.

The things you can't do as an agent,  you probably wouldn't want to do anyway (think ripping off little old ladies and committing fraud).

Sorry--statue of frauds prevails.