I have noticed other sold prices from December/18 to be below assessed value and sold homes from earlier in 2018 to be above assessed value. 

This would make your property value decrease and be less marketable.

On the left is the new bedroom.Looking at the new bedroom from the kitchenYou will also notice the ceilings are in.

When we placed the offer we received a notice from our realtor a few hours later that the bank was looking for our highest and best, we came up some and changed the terms for a quicker closing and shorter time period for inspection.

Have you given the 7 day notice of default and opportunity to cure yet? 

So New Years day, I gave him notice to be out on the 31st of January.

You send notice to cure or quit and see what she does.

I just prefer to estimate conservative on vacancy - about one month per year, or 8%.I also noticed you have in 10% for management fees, but you're analyzing it with a 3.5% down payment.

For many policies, if it is in the name of John Smith & Joe Jones, John Smith is the first named insured and has some special rights such as Initiating cancellation, requesting policy changes, receiving notices & return premiums. 

With competition, quality rises and costs to the consumer decrease.