Hard to say without knowing more and the actual condition of the property. 

True, but after 15 years, it becomes an actual source of income. 

You may think you know a lot about the data, but evaluating the actual house isn't the same. 

My company is actually ICG10 Capital.

So there may be no actual restriction on TCO for residential, but because of the challenges of doing this for residential homeowners they may have internally decided to restrict it to commercial. 

The cash flow (or actually the net income before taxes) from the property (doesn't matter whether it is a single family or multi) should have a DSCR (debt-service-coverage-ratio) of at least 1.20 or more.

ArcGIS has much more but you have to pay for it.But nothing beats actually going there, looking around; are there vacant buildings, loiters, trash, etc?

Those are all computer algorithms that can't take specific details into consideration like paint color, flooring, countertops, room layout, quality of neighbors, and many other factors.Use their numbers as a beginning analysis but then actually look at comparable rentals on the market and compare them to yours.

Do you have a sense of the actual scope that is being bid?  

I have done extensive research on the area on the population, schools, hospitals, jobs, and the age group I'm targeting, and I've seen all the streets and the whole town as much possible without actually being there on google street view but i will be driving over there this weekend to get a real vibe of the place probably talk to locals.I pray that another major 2008 does NOT happen while I'm incurring on my first investment property lol..