And having said all that, the house was (and probably still is) fully functional. the buyer walked through multiple times, tested all the systems, and never found a deal breaking issue. 

In the wake of 2007 you could read a lot about a "stress test" for banks to make sure this would not happen again.

I saw this post a few months back but I decided to not pitch in (I am running a test).Would you mind telling me what steps you took, and where you are now?

Anyone has suggestions on how to break through this bottle neck?

If you get back all of your initial capital, then you have infinite returns on your investment... because you now, essentially, have $0 of your own money in the deal.I have not done a BRRRR yet- although I plan to refinance one of my properties soon to test out the strategy.  

I'm brand new to using the calculators (and investing for that matter) and my husband and I have been entering in test information just to familiarize ourselves.

You dont need to take any tests.

One they enforce this that the real estate teaching has a test in the end (in Texas) to get your attention.  

Even the 2% stress test implemented was to help prevent the risk of a collapse.

You can have your agent run some test quotes with each limit.The big benefit for the Renters in Tenants insurance is the coverage for loss of use.