Renting the entire property comes at a flat rate of $1500.We've received interest from a female nurse specifically for the master bedroom, but she prefers not to share the space with a male tenant.

You could probably just do a long term loan instead if the repairs are not heavy with a better rate and fees. 

I've been with an insurance company in CT, since I started my rental portfolio, but am looking for other options as it seems their rates have been going up and up. 

They're all going to use NOI/PITI, but you'll experience a range of DSCR requirements which will directly affect your max LTV and you'll also experience a range of rates.

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

Folks get caught up on losing their interest rate.

However, despite several months of searching, I'm struggling to find properties that break even, especially with current interest rates.

I think most investors are feeling the crunch of low inventory, higher prices, and high interest rates.

Obviously you want to pay attention to your interest rates, cost of appraisals, and fees for refinancing.

They will hit you on the interest rate and LTV.