I have used spreadsheets in the past and they work fine on a small scale but as you get bigger they become very labor intensive and cumbersome.

Assuming, a 10% property management cost and maybe increasing the CapEx to 15% that would adjust my cash flow to around $6130/year or $510/month.

I’m having a hard time adjusting to this competitive market we are in and would like some insight as to how to structure our offers to get accepted.

I'm not say it hasn't, wouldn't, or can't be done...just that it's pretty labor intensive compared to an owner creating their own Excel spreadsheet.  

I assume capex to be in a similar ballpark to maintenance costs and adjust up or down depending on condition of the roof, hot water/furnace, appliances, etc.

How do you figure out CapEx when analyzing a deal in a way that is not labor intensive? 

the one I am using is a bit pricey and I constantly have to play phone tag to adjust mowing frequency.  

Another lender is offering 2.49% fixed for 12 months then convert to adjustable rate Prime + 1.0% OR 4.99% fixed for 36 months then convert to adjustable rate Prime + 1.0% OR 5.99% fixed for 60 months then convert to adjustable rate Prime + 1.0%.

The location you cannot change, but the other two you can adjust.

I also have a 2nd mortgage for 38k @ 7.49% adjustable I’m trying to get myself into a position to start my real estate investing journey and all this has thrown my head for a loop.