In the end, military service members looking for housing will start with using BAH as a guide and then add or subtract with dual income or looking to save money for utilities/bills.  

Because if you take the rule above about how much you can borrow total, you now have to subtract your highest balance in the past 12 months from that amount.So if you were actually able to take out $50k and borrowed $30k but have now gotten a windfall 6mo later and paid that $30k off but wanted to take another loan against the 401k at the 9mo mark, the max you could take would be:  $50k - $30k (highest balance in the last 12 mo period) = $20k.

But if your property has a high-end kitchen and the other one doesn't, an appraiser might add $10k back and value yours at $110k.You might try to get your hands on a few appraisals to learn how appraisers value a property and add/subtract value based on features, square footage, and fixtures/finish.While I'm sure this varies wildly, I've found that some realtors rely too heavily on automated comps or CMAs when valuing properties, and these can be off by a wide margin.

If a house is worth $200k at retail, and it needs $10k in repairs, you subtract the repair cost from the value of the property, not add it to the value.I posted a version of the below info elsewhere.

Subtract from that, vacancy reserves, maintenance reserves and insurance...you're upside-down by about $300/mo, that's assuming the monthly payment is fully loaded and includes tax.

What operating expenses are you subtracting from your income to get NOI aand what is your NOI?

Yes the utilities could be paid by the tenants and from what I understand section 8 would subtract a fixed amount according to what utilities the tenant is responsible for so yes my cashflow would be higher. 

Subtract the 15 servicing fee and we are getting a whopping $5/month for this one. 

Other expenses seem reasonable... but after subtracting all the expenses, you would only cash flow $50 / month or $600 / year.

Should I be subtracting these two values from my closing costs value that I enter into the calculator?