In short......No.First, you incorrectly used the term “assume” the mtgs.  

It's shocking the power they hold.You're likely to have some expenses here in getting out of this unit due to this incorrect information.

I just realized that the second set cash flow calcs have the incorrect Cash on Cash calculation because it doesn't take into account that you have been living there there for over a year and so you wouldn't have those startup expenses - the amount you spend in year two will be different than you spend in year one since you wont have closing costs or down payment - that calculator is meant for running the numbers of a purchase - when I send you the file , you can play with numbers all you want to see what it would like after the first year. 

Am I calculating my numbers incorrectly or not factoring in something? 

Greg, You did the whole thing incorrectly.

You have too many quirks specific requirements and that you need to make a loan work.  

His loan is for 168k at the length he is looking I think it is incorrect. 

@Kirsten M.I don't see why the fact that Belize is part of CARICOM makes me incorrect.

The seller accepted and we put the property under contract.It turns out the agent was given incorrect information.

Also search- 'Future buyers of my property will no longer be able to obtain title insurance because I filed an incorrect and invalid quitclaim deed.