., missing property taxes or HOA fees), unreliable rent estimates, and the time-consuming process of manually calculating metrics like cash flow or ROI.Platform Preference: A web-based platform would work well for in-depth analysis, but a mobile app would be crucial for on-the-go research and quick evaluations, especially when touring properties.Wish-List Features: A tool that integrates local market data (rental demand, appreciation rates, or vacancy rates) and offers scenario modeling (e.g., "What happens if I increase rents by 10%?")

You may also want to use one of the BP Calculators and post the results and ask for feedback.

If you reported a lot of expenses and showed a loss, then the loss will be treated as a liability in DTI calculation.

J Scott breaks down all the fixed costs on closing a wholesale/flip deal. I'm a new investor and wanted to understand where I could find all these costs for a certain zip? Are they more universal?  Inspection Co...

Also, I payed my mom’s mortgage on her primary which I can rent here in San Diego which would help with the mortgage but I rather not use that in the calculations to avoid over leveraging myself.

Here’s what I do with my rentals:I either have tenants split the utility bills or include a clause in the lease that states if the gas or water bill exceeds a specific amount ($X), the tenant will be responsible for the overage, provided there are no leaks or other infrastructure issues contributing to the high usage.To determine this $X amount:Water: I take the highest water bill I’ve had over the past year (excluding periods where leaks occurred) and add about $15 to account for small fluctuations or potential increases.Gas: For gas, I calculate the median bill during the winter (when usage is highest) and the median bill in the summer (when usage is typically lowest).

Just run numbers in a BP calculator.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Quote from @Robert Quiroz: @Randall AlanThanks for that scenario; I'm not sure how I missed that calculation, or I never did it.   

I appreciate the feed back from everyone, as financing can get a bit tricky, not to mention complicated sometimes trying to look at all the different ways to calculate how financing can or cannot me more beneficial than your current situation.