I have intentionally built a healthy owner-tenant relationship over time, and I find that based on the mutual trust component, she cares for the property better than any other tenant I have had. 

I feel Hard money lenders are more logic based and rational people.

Does anybody have any spreadsheets or tools that they'd be willing to share with me around some solid number predictions based on interest rates, occ %, etc. 

Property taxes are determined based upon the property’s assessed value that is determined by the public tax assessor.

"All Diversified Lending LLC" based out of Arizona?

There should not be a $100,000 discrepancy in the dwelling coverage (based on a replacement cost estimate.).

They'll make you rip open the walls to inspect and then reclose them up on your dime.I'd say follow the municipal and lender guidelines as closely as possible for rehabbing, you'll feel better knowing your bases are covered.

Blue Ridge looks attractive based off my search and pricing there. 

I would think it'd be pretty simple to calculate his actual rent income based on the properties current conditions and explain that at best, the tenants in place stay for years to come, he continues doing the bare minimum, and his highest predicted income is x dollars, barring any emergency spending to keep the tenants happy.

@Sherry PattersonHey Sherry,I am an investor agent based out of San Antonio.