Some municipalities, including the one I live in moved to a more market price based approach to valuations.In my town the real estate market is red hot.

This was my first red flag. 

There will be less paperwork, no up-front PMI, and monthly PMI drops when you hit 78-80% LTV.Bottom line: depending on the other property expenses you might break even on this after moving out...or you may be in the red.

Garza Regardless of the loan situation and how you plan to pay for it the fact it's been on market for >1 year is a BIG red flag.

The residential market is red hot right now and lot inventory is hard to come by. 

Meanwhile, if you did NOT follow the instructions that you bolded, one would have counted 90 days of personal use. 

Recession has always been a good time for the bold to buy more.

My quick math puts this property $500-600/month in the red after you move out.You're forgetting a few expenses in the screen shot you shared:Vacancy (5-8%)Repairs and CapEx (12-15% combined)Lawn care looks very low.The utilities are not split, right?

Then you lock people down for a month or two, right before the summer months when the market is always red hot anyway...  

Comparison: The tool must color code each data cell similar to what Microsoft Excel does, using the Conditional Formatting - Color Scales - Red/White/Green.