I'm based in Florida and investors here are getting killed by Taxes and Insurance.

I sold the house last July and my account says I'll owe on the gains of all 3. 

I'm a newbie in the RE investing world, but I've been working in the world of property tax for 17 years.

If for example a home is selling for $225,000 it will have an estimate of $1,462/month.With 25% down the calculator shows: $1,023 per month Principal and interest $806Property taxes$125Homeowners insurance$92How can I get a better idea of the total including everything?

If you pay cash, that money could be stuck there for years until you sale but you will have some costs of property tax, brush clearing and insurance.2.

This donation is tax deductible and we can provide a W-9 upon your request.

If I use my HELOC fund to buy a property, which of the following two options should I go with from tax or business accounting perspective?

I have my broker's license and I still use my longtime realtor to show me properties; I just needed my broker's license to set up our property management company, and I also get to use it for full-time real estate professional purposes at tax time (I'm retired); I don't use it for looking at properties or anything of that sort. 

I have had tenants in them and am looking for clarification on what I can claim on my taxes.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).