BP has income calculators and there are others out there, personally I use an excel template which calculates cap rate and cash-on-cash return among other metrics.

My credit is excellent, I have a full time job, and I have lots of extra time to learn and put in work. 

Credit scores are excellent and we have sufficient funds for down-payment for either scenario, however we would rather not tie up our cash in down-payments so we can continue to make more purchases. 

So if you do your books - you should factor that in.If you only have 1-2 properties - you may find it easy to do them in google sheets or excel.

The return on what you paid for it is excellent.

Asking $259K  in a very popular area excellent location .

Anyone with 15+ rentals have a seasoned excel file I can nab?

I always push first time buyer clients to do basic updates/raise rents to create some equity, if they can BRRR the deal out in a year great and if not they still have an excellent safe first rental.

Lol I have to credit the excellent help of a cohost

An on-market property can be in terrible condition and an off-market property can be in excellent condition, or vice versa.