So i would typically add an extra line after debt service to account for CAPEX without affecting my NOI. 

My credit score is great (770), I have enough for another down payment (20%) but lenders still can’t lend because I have around 230k in debt from the other home.

I am using the ROBS program to create a C-Corp (Yes I am using an expert in this to assist) to purchase it from my IRA without creating a debt. 

We have paid cash for our education up until now, so we have zero debt and will graduate with our degrees next year debt free.

If it is a buy and hold rental, then I'd include Gross rents, total expenses, debt (if you plan to have a mortgage), ROI, and Cash on Cash return as both $ and %. 

Where I live legal multi family homes seem few and far between, but single family homes with apartments attached whether they are basement or garage converted seem to be more prevalent.

I attended college before joining the Air Force and have nearly $25,000 of school loan debt that has hurt my credit score substantially.

go to nationwide there cheap and did not pull my credit. most of the time a low score means debt maybe you want to raise it up to a 580 an you will be able to get a fha loan with 3.5% down payment

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThere are a few self-contained guides that you can access here: https://www.biggerpockets.com/guides

Run the numbers through the calculator and see where the break even points are and don't forget debt service.